There is a practical example where the incentive to hoard has not stopped transactions: the technology industry. Since the dawn of computers and personal electronics, the purchasing power of the dollar for technology products increases drastically year-by-year, and yet transactions continue to occur.

If a currency or commodity accumulates value, the seller's incentive to acquire it is mathematically equal to the buyer's incentive to hoard it. Eventually, they meet in the middle and find a mutually agreeable price, because people will always want goods and services.