I would dearly love to know at what point saving your own excess production for long enough to reinvest it properly became known as "hoarding".  I would also be delighted to have explained to me how borrowing money at interest is EVER in my best interests.  Yes, we do 7 day or 15 day or 30 or even 90 day terms.  But paying a late fee, or interest on it is acceptable only as a punishment for changing a contract after it is accepted.  NOT a sensible part of the original contract.  There is nothing to prevent me from accepting 30 day terms for face value and nothing more. Unless, of course, I was a usurious parasite that fed on interest payments while making nothing else of value but symbols of other peoples' wealth.