Hoarding money is the most selfless thing a person can do. That doesn't make it a good thing. Money is a tool that allows a diverse society with diverse values to collaborate peacefully and effectively. To pursue money honestly, people must work to serve other people's values and goals rather than their own. Most people do this so that they can later spend what they've earned, at which point they are served by others. When you earn money, you further the ends of others within your society. When you spend money, you influence others in your society to advance your chosen ends. By earning money and never spending it, a person becomes a passive servant to the will of others, and has no financial influence on the values expressed by society.