Show me the incentive and I'll show you the outcomes as they say. Hyper consumerism, status symbols, a fundamentally pack/tribal species? what could possibly go wrong?

The way around this, by the way, is to create some kind of alternative exchange system that only admits real-for-real exchange and makes hoarding money impossible.

No; the way around this, as it always has been, is redistribution.

I know it's considered a dirty word in many circles nowadays, but by far the most effective means we know of disincentivizing a singleminded focus on the accumulation of wealth is to make that number something you can't keep pushing up after a certain point.

No human being will ever be genuinely discouraged from making a better product or making themselves better at doing something because they couldn't turn their (personal, not company) $30 million/year into $300 million/year. Because a) at those numbers, the only material difference is the number; your lifestyle won't change appreciably, and b) if you actually cared about making a better product or making yourself better at doing a thing in the first place, that kind of extra money (or lack thereof) wouldn't be important enough to change that.