That's a great view, I think most of the economy schools are taking this view, academically it is quite nice

I have a different view

When people sell product and get money, they save the money, but they did not save the value (the product was consumed or degraded), money was hold as a "proof of work"

It's easy to see: Saving do not increase the society's consumable resource, it just increased society's "proof of work"

So, in the example of the $5 million house, A paid B $5 million to buy the house, there are $5 million worth of "proof of work" transferred from A to B, but the real wealth is only that house, those $5 million worth of "proof of work" do not correspond to enough tangible wealth in the society

Same house could worth 5 million one year and 3 million another year, but the house do not change, only the exchange value of the house changed