Money hoarding doesn't directly affect other people in a fiat system; remember money is fake, we can just make more of it. Hoarding it is a deflationary pressure and is combated by inflating again. (this is called functional finance and of course isn't 100% true, you do have to reclaim the hoard through taxes or something eventually)

Rich people do things like own Amazon rather than own a huge pile of money; this makes them rich because a whole lot of other people are willing to give them money. This also doesn't directly affect you, but at least it indirectly affects you differently.

Money hoarding has nothing to do with your life quality as life quality is a logistical issue not a money issue. If I give everyone 1 million dollars for example, there are still only 30k nurses in the country for 320 million people. Nothing changes except for the price of nursing services. The same goes for homes, education, etc. And rich people dont take 50 nurses, buy all the single family homes, or eat 1000x their portion of food. Quit making excuses and being a negative person and learn to understand that life quality is about expanding economic production and efficiency through entrepreneurs, not being a negative jealous person trying to bring everyone down so its all fair and square but production comes to a halt and everyone is worse off. Socialist thinkers like yourself are really short sighted and the Karens of the economic world.

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.