This is thermodynamically inevitable, at least, according to this https://en.wikipedia.org/wiki/Wealth,_Virtual_Wealth_and_Deb...

Storing wealth for later is one of the hardest things to do. It is an unsolved problem, even after thousands of years. Capitalism has a strong claim to hint at a workable solution: it formulates a process in which savings can be converted into capital, capital being the lever to increase productivity, thus increasing wealth. Funnily enough, the accountants responded by starting to depreciate the capital assets, bringing it back full circle. It also necessitates capital being deployed productively. And that too is apparently not that easy either, as the current meltdown is showing.