money flowing to the people with the brightest idea is good, even better if they take responsibility that comes along with power... Hoarding in itself can be good, if the money is simply put out of circulation for a while and not loaned out for interest, then all will profit from a higher value of the currency, or in case of a stable currency more money could be created and distributed. The problem i see with the current system is that capital costs have become a too big percentage of the product price, this then distributes money to the people who have already tons of money.