I think the op has a point here. Bitcoin DOES encourage hoarding and we know that a healthy economy requires money to be spent.
it encourage it until a certain point, and it's good this way, because you limit the inflation, then when the target is reached, for many they will begin to use bitcoin
i can not see anything wrong about this, unless you think that thhey will hold indefinitely, certainly i don't believe that the current inflated system is the answer, and a deflazionary-inflazionary system is hard to get