He who has wisdom will comprehend what true wealth is.
Is true wealth a large quantity of money tokens, or a full storehouse?
Is true wealth a life locked into mindless labor for the benefit of
others, whose support you were tricked into providing?
Is true wealth a life of unproductive consumption of the goods and
services other people produced?
Is true wealth a life of boredom, distraction, petty tantrums and self
Or is true wealth based on enriching yourself, your family and
friends, with the bounty of your prodigious output of goods and services?
And don't forget morality - it may be lawful under the LAW OF THE
JUNGLE to prey upon others, but it is not moral under the LAW OF LOVE.
Voluntary charity is a blessing.
Involuntary charity is a curse.
Someday, we may awaken to wisdom and honor those who contribute more
for less, sacrifice for the benefit of others, and harmlessly support
their right to life by creative and productive activity.
 Money, as an accounting system, has no function if there is nothing in the marketplace to buy. Though a market can function without money, money cannot facilitate trade if there is nothing for sale. A sum of money without anything to buy has no value. (Mythical Gilligan's Island parable - Thurston Howell's sum of money cannot buy rescue nor buy anything unless the islanders first find it, make it, and will sell it.)
 An accounting system, by which one tracks the market value of items, goods, and services, should not be something from within the marketplace. In fact, if one uses an item taken from the marketplace, a mathematical error will occur. In set theory, if M (money) is proportional to S (sum of all goods / services), making anything from S, will generate a paradox. For this example, if G (gold) is deemed to be the preferred money token, and it is 1% of the whole Sum, we can set up the equation:
G = (.01 S)
We must now make G have a value proportional to the whole set (S), so that we can trade.
G (proportional to) S.
So 1/10 G can buy 1/10 S.
Gold, which is 1% of Sum of all, can buy all. Yet G is a subset of S.
G = (.01S), so (0.01S) = S.
One percent of the gold, as "money", can buy all the gold (which represents 1% of S).
See the problem now?
Anything of intrinsic value from within the marketplace cannot be used as money (an abstraction for the marketplace). Especially since the marketplace varies, disproportionate to the item deemed to be money. "Hard Money" results in economic distress from inequitable trade.
 If money is a mechanism to account for value, facilitate trade, and is proportional to the marketplace, you cannot "save" it. Taking money out of circulation only prevents it from its function - moving goods and services equitably. In fact, the more money taken out of circulation by hoarding / saving, the less trade can occur, since there is not enough money tokens to facilitate trade. By making money scarce (disproportionate to the marketplace), the sellers cannot sell, or must accept LESS money. If they cannot sell, they suffer. And if have to accept less money, they cannot equitably trade (nor pay outstanding bills). Money, as an abstraction for value, cannot store value, no more than one can save 4 hours of a plumber's labor, nor compel a storehouse to fill with a harvest by holding money in a vault.
 Though we might think we're "saving" money when we deposit it with bankers (usurers), buy bonds (usury) or "invest" it in stock corporations, for interest (usury), we are not. The money is put into circulation, facilitating trade. The usurer charges a fee, in money, for the use of that money,and pays a portion to the investor.
However, if the money token system is finite (as is precious metal coin), aggregate usury is impossible to pay. The sum of principle and interest owed exceeds the whole set of available money tokens. A proportion of debtors will default, simply because the money does not exist. And they will lose their valuable property pledged as collateral on the debt. That is why usury is proscribed as an abomination, and denounced by almost all religions (except Satanism).
When we're told that it's "wise to invest", mathematics says we are unwise.
For example, if "everybody" invested 10% of their money, within one time unit of usury, the resulting debt would be impossible to discharge.
S (whole sum of money), and 0.1 S (10% invested, at usury), for 10% simple interest per time unit, computes to:
1.1 x (0.1 S) = 0.11 S
0.9 S + 0.11 S = 1.01 S
To pay the usury, the money supply (S) would have to grow 1%. If the supply is static or cannot grow at the necessary rate, investors will be unable to be paid. Debtors will default. Someone will suffer.
This problem is compounded when the money token is borrowed into existence at usury. Each unit created imposes an obligation for more money, which, in turn, can only be created by greater debt. Ergo, debt-credit money tokens are catastrophic tools that destroy productive societies for the benefit of parasites and predators.
[* special note : in America's case, the bimetallic standard was another disaster in the making. A simple solution would be to make the unit dollar a silver coin, and designate a gold coin as an eagle, without stipulating any proportionality, by law. That way, the market value of the silver to gold would not create havoc. Contracts payable in dollars might be negotiated with eagles, but that would be a private agreement, not imposed by statutory law.]
 There are many people who believe that money must have an intrinsic value, such as precious metal (gold, silver, platinum) or it violates religious law. However, I sincerely doubt that God would impose a money token system that cannot function equitably. The marketplace of goods and services can always grow larger from (a) rising population of laborers, (b) tools that multiply the labor, and (c) automation that produces goods and services without additional input of labor. If the money token system is finite, composed of scarce precious metal coin, it will impose chaos. The harder you work or produce, the less money you earn. If you are in debt, the harder you work, or produce, the less you earn, and thus cannot pay your creditor. Scarce money is a recipe for economic disaster. In fact, scarcity of money drives demand for credit, at usury, offered by bankers.
Therefore, a sound money system (honest accounting) cannot be composed of any "thing" that can be bought or sold in the marketplace, if equitable trade is to exist. It would be as absurd as charging a fee to make each tick mark on a tablet, used to keep score. (Imagine playing "MONOPOLY" and you had to pay rent for the use of paper money.)
 For a "free market" to truly exist, the medium of exchange has to be free to grow / shrink in proportion to it. If any disproportionality exists, either the seller or the buyer will be cheated. Those who can manipulate the illusion of abstract money can enrich themselves at the expense of others. Mankind has suffered from the predation of usurers for millennia. And we still willingly cooperate with those who prey upon us. Worse, we are indoctrinated to copy them, and debase ourselves, and "run with the pack". And it's no surprise when folks are "thrown to the wolves!"
One way that the supply of money tokens can adjust is when producers / laborers of new goods and services can issue private promissory notes (ex: coupons) denominated in that which they can do, have or produce. A farmer can issue notes denominated in harvest, or animals, or products. Laborers can issue notes denominated in hours of labor or specific services. Enterprises can issue notes, denominated in that which they offer. A restaurant can issue notes, denominated in meals, or other services.
When the note is tendered to the maker, it is extinguished when the trade is completed. If an entrepreneur needs to purchase goods or services, but has no "money", he can emit promises (notes) to capitalize. He need not beg for debt-credit, at usury, from a bankster. He then discharges his promises, when his enterprise is up and running, without the burden of usury, nor the requirement to fight for a share of scarce money tokens.
 A money system should not be under the control of parasites (government, usurers), who produce no goods nor services. A government may offer its services for oversight and offering recourse and remedy, in the pursuit of justice (giving everyman his due).
A private promissory note money token system, by itself, would probably be limited in scope to a local community, where the people knew the credit worthiness of the note makers.
For a larger marketplace, a widely circulating note / money token, is necessary. A bank, acting as a note warehouse, may be one solution. A note could be tendered, discounted by the bank, and bank notes given in exchange. There would be no pressure to create new money tokens, because there would be no usury, nor compound interest. The bank can either tender the note for discharge (making profit from the discount) or sell it to another.
 Obviously, we've been taught to worship money, chase after it, be persuaded to act against our better natures, by it. That must change. And the first place change occurs is within each individual.
 We must all awaken from the nightmare where money was the goal of one's life work. True prosperity is the creation, exchange, and the time to enjoy those necessary goods and services we produce. Any other activity is counterproductive, including conquest, usury, predation, theft, and parasitism.
Final Note: One of the easiest ways to 'enslave' people (compel them to work at inequitable compensation) is to obligate them to pay money tokens, especially when those money tokens are scarce. Governments and usurers rely upon that fact, when they tax us. Without scarce money tokens, there would be no demand for the bankster's "service" - extension of credit at usury. Without the obligation to pay taxes, in money, the burden of government would be lessened.