> Can you describe an environment where this wouldn't occur? What would happen if an organism in that environment was able to hoard resources?
Only in a religious context where they see a benefit to vows of poverty or simplicity.
Wealth as we have it right now is a huge pain in the ass. You have to worry about what some idiot in the Fed is doing, what some senile old man in an office is doing, and what some old Boomer with a printing press is doing. You have to worry about a government that runs with the emotion of a Millenial and the depth of understanding of a TikToker, making that affect your personal freedom, your wealth, and your life. I'm talking about the US in this case, but it's really a mess everywhere. No country has good governance at this point in time.
By all means, wealth is nice to have, but there is a function between increasing wealth and increasing time spent preserving it. At a certain point of wealth you realize that the most valuable things cannot be bought, and it becomes a chore rather than a source of comfort. We are also clearly bad at preserving wealth, otherwise Mesopotamia would be the richest place on the planet.
Being rid of wealth can be extremely freeing, but the communities that see it this way also play by completely different rules than society does at large. You don't see a lot of religious being held up as successes by the current global standards for example.