Hording is only a problem in two scenarios: a) inaction, in other words leave things up to the invisible hand. In this case wealth concentrates at the top like it did during the dark ages and like it's doing now or b) Venezuela, where their entire economy is based on 1 commodity and that commodity just plummeted in value. You solve a) with public policy to prevent wealth inequality (like the 90% marginal tax rate the US had for income over $2 million in the 50s). You solve b) with simple human decency (aid to economically hurting nations in the form of 0% interest loans). Again, as long as you don't try to "leave well enough alone" it's all fixable.
Basically, ask yourself when, in your life, have you had a difficult problem that was best solved by ignoring it?