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.