I don't think what you've said counters the idea that money needs to move hands and be exchanged. That's the root idea of inflation under a consumer based economy. Like I said, it is similarly bad when people (or large corporations) pool money and are not spending it. It is true for any type of actor, that we'd want to encourage them to spend the majority of their wealth and save very little (for the median person a retirement savings would be inconsequential and that money is just delayed anyways, so wouldn't affect the system much. Especially since it is staggered).