There's a lot in here I actually have sympathy for. The end…

There's a lot in here I actually have sympathy for. The endless treadmill, the daft supply chains, the sense that "number must go up" forever isn't sane. I'm not going to pretend none of that lands.
But I notice we've travelled a long way from the question. I asked something small and specific: does a currency people hoard and won't spend freeze out the small trader, the worker, the person who lives on money moving? And the answer came back as a worldview about globalisation and modern life.
That might all be true. But it doesn't answer the narrow thing. So let me bring it right back down to the shop counter, where I always end up.
Forget the big picture for a second. Just one baker, one sack of flour. If the money is too precious to spend, he holds it, and he doesn't buy the flour, and the miller doesn't sell, and the wheel stops. That happens whether globalisation is good or bad, whether we work 20 hours or 70. It's just what a hoarded currency does to the man at the bottom.
So I'll ask it plainly: in your refined economy, does the baker spend, or hold? Because if he holds, the small man still starves, no matter how noble the theory above him.
Build thinkers, not followers.