One of the claim made here is that we are wasting time putting our money to work. I would argue the contrary. In a world where people are just putting their savings under their mattress, it's a shame.

Money is energy. Instead of let it aside "in case we need it later", it should help other people to grow, and give them an extra pair of hands.

If we don't want to waste time looking at where to invest it, then taxes to put dormant money into a sovereign fund, which in return will give out the interest in the form of social measures, is something that can be done as well.