Money isn't actually something that has value in and of itself, it is an abstraction for something that has value. The actual value is on the work it represents and the value add that work creates. If money just sits there doing nothing and not producing more work, it is not a benefit to the system.
Capital is good when it is invested into more production. In the past, that was primary accomplished by the bank investing your savings or the stock market doing the same into companies expanding their production.
Much of the problem with modern capital is that instead of investing into more production, it is focusing on non-productive or anti-productive strategies - downsizing (anti-productive), stock buybacks (increases stock price but no investment into real wealth production), bubble speculation (gambling).