There's no such thing as money hoarding. If you keep cash in the mattress it loses value to inflation (i.e., to the state). If you keep money in the financial system then that money is _used_ to fund others' ventures. If you invest your money (e.g., in a business, in stocks, whatever) then the money gets transferred to others who will do similar things, and you now have possession of a (hopefully) productive asset!

There is no such thing as money hoarding. "Money hoarding" is ideological and utter nonsense.