Endless hoarding in nature is not a problem, as your capital depreciates over time. This depreciation means that the amount of wealth you can store is a function of your ability to replenish the loss, i.e. your income. What capitalists have done is quite remarkable, they simply declare by force that this loss does not exist. So now everyone struggles to pass off this now hidden loss to everyone else, as if the division of labor were a negative sum game.

Imagine if you owed a capitalist 100 hours of your time and they decide to only use 50 hours of that and simply wait those 50 hours. You still owe the capitalist 50 hours but you also lost 50 hours from waiting(=unemployment). Your productivity must double to stand a chance. Another 100 hours pass, you lost 150 hours and must still work 50 hours. Now you must be four times as productive. Productivity must keep going up, just to stand still. At some point you are unable to increase your productivity at the rate your time is being lost and you are no longer able to give what is owed. The capitalist will now call you a thief, you stole the 50 hours you owe him, completely ignoring that your loss of time is far greater than 50 hours and yet as if to rub salt in the wound that time spent needlessly waiting is not worthy of being called theft.

I hope it is clear that "urgency" does not exist for those with money, only those with physical capital and those with mortal bodies that are dependent on work to earn money to afford the minimum quality of life society demands have to worry about that. I want people with money to worry just like everyone else, then nobody will have to worry.