In my defense, none of this can be explained in a short paragraph. And if I wrote a long treatise on it, nobody would read it! People read short things. So I stick to the Newtonian Mechanics explanation rather than the Einsteinian/QM explanation.

BTW, understanding how and why free markets work is not very intuitive. It took a long time for me to understand it, and long conversations with my dad who had a PhD in economics. About 98% of what lay people implicitly believe about economics is intuitively obvious, but quite wrong.

The old hoary "rich people hoard money" is one of those tropes.