I get the point you're making but OP is spitting nonsense based on definitions he's leaving to the reader to assume. What he calls "hoarding efficiently" is what the rest of the world calls investing in assets. If we look up the definitions of hoard it implies keeping things to oneself. Investing is about sharing what you have and can't use right now so other people can use it and getting money back in return.

So by suggesting this to OP I was suggesting he doesn't sit around working to have a pile of money when he's old and instead puts it towards ending his work career early so he can live off the returns of his shared monies. It's like they're picking a known low-tier character in a video game and complaining about how they're going to lose to high-tier characters. If you want to win, play the winning strategies... or come up with one that beats them. Complaining and then not taking advice seems exceptionally childish.