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But isn't keeping your money providing information to the economy? And conversely, forcing it to be spent as investment generating malinvestment, investment in frivolous activity? I'm just thinking out loud...

I've never heard of this before.

A substantial net worth is known as wealthy. Net worth is defined as the current value of one's assets less liabilities.

Having a billion dollars in one's bank account and zero liabilities is wealthy, unless you are defining wealthy some other way.

Are you talking about wealth as a a nation, as opposed to individual wealth?

Please explain.

Savings don't cause inflation at all. Imagine adding $100K to every one's bank account in the US, and make sure that these accounts are frozen for 30 years; this doesn't increase aggregate demand at all.

Fractional reserve banking allows a bank to take deposits and create loans up to some ratio, thus increasing money supply in the economy.

Loans create deposits, this whole fractional reserve banking is nonsense taught in many schools.