Now that I'm at a computer, and off work now...

To get to the point: In general I'd say that fears and concerns about 'hoarding money' generally stem from a concern for the haves and have nots.

Most people who raise it as a concern are trying to advocate for some means of separating a person from their property.

I'm not one of those 'Taxation is Theft' types

but... it kind of is, in a way.

Imagine if money were substituted for any other goods that can be bought *with* money.

Let's say you farm rice.

You handle your fields entirely on your own. You've purchased grain silos, etc. you've got the means to store as much rice as you like.

Would you argue that, at a certain point, this person's excess rice from farming should be taken from them, based on the fact that they have it and aren't doing anything with it?

Would you argue that they're only entitled to the amount of rice that they need to sustain themselves?

With some here and there for trade?

You can't compere a field of rice that you farm on your own to money. You are not providing a service to aquire that 'wealth' so you aren't taking from the system.

If there is only a certian amount of land to grow the communities wealth then it's a different story.

Ah, so if they own more land than they need

then they might have to give up some of that land.

If this is the case then yes he should only be entitled to his share.

But what if he paid for that land that he grows the rice on?

Then everyoone else was stupid and he is going to pay the price in form a pitch fork up his arse.

Are you justifying that, though?

no.

Currency is a commodity like anything else.

It is either that. He gives it away or takes everyone as a slave.

The only difference is that it's only use is barter for other commodities.

Sometimes the commodity you buy with currency is shares in a company, which in itself is another currency representing a portion of said company's assets and profit.

You can buy other currencies with your own currency.

And the values of those commodities you're exchanging is generally analyzed and agreed upon.

Crypto is largely the same way.

Supply and Demand dictate economics.

Not anything else. not government, even.

Although government has the strings it can pull to manipulate it

If some nation-ending apocalyptic event were to occur tomorrow, like Hillary replacing Trump or something...

There would still be people who would accept USD. It would still have a certain value.

Almost inexplicably

But the core reason is, common currency is a proxy for goods in barter.

I work some on-demand jobs.

If I get a drive for a 30 dollar fare

load it on to my card, and buy 20 dollars of gas with it

Thinking of it as spending money is a basic way of looking at it.

I'm actually spending some fraction of a function of my car's fuel used for the fare, the wear and tear on the car, with the additional factor of my time to refuel that car.

And that is what I'm trading to that gas station for fuel.

Money's just the proxy for that.