"Hoarders" is just a disparaging term for savers. Any economy needs savings for capital formation.
"Saver" i a very general term. In the context of this discussion a "hoarder" is one who saves by colelcting a currency. Not meant to be disparaging -- although that is usually not a wise way to save.
You have been with us since 2013, nobody calls you up for interviews, nobody really cares what you have to say...so just admit that your attempt for some fame has failed yet again.
Let us be! WE NEED NO STINKING COMPUTER SCIENTIST HERE!!!!!!!!