> That doesn't all mean they are "holding" money. Money is not the same thing as wealth. Personally, I don't have any money other than pocket change.

I'm using money and wealth interchangeably here because there is no meaningful distinction in this context. I cannot take you seriously when you keep bringing up irrelevant things. It's obvious you don't understand my point. And I've had enough arguments with you on this site over the years to know it's a waste of my time to engage with you more than I already have.