Great discussion TOM, but I don't think hoarding is the best explanation. You sort of get around to the key issues when you discuss money and banking. We allowed them to rig the system and create wealth out of thin air. Note: https://medium.com/@daneke/when-the-wank-became-swank-money-banking-and-the-evolution-of-the-all-debt-economy-22e334f8ee3e