"hoarding" is not the issue per se. Have to consider why we hold money in the first placehttps://mises.org/library/yield-money-held-reconsidered …
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Labor unions exist because coordinated strikes work to raise wages, whereas individual workers all sitting around waiting for someone else to be the first one to complain to the boss will be sitting there forever
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Governments and taxation exist because no one chips into a kitty if there's a chance they'll be the only one to do it, there's still not nearly enough at the end to pay for anything and they got to be a schmuck for nothing
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But who gets to decide what it is that "we all need to do together"? Why can't the people who believe they know, just leave us in peace?
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I'm not sure what "leave you in peace" would entail, but if you stopped using everything that was built collectively and went to live naked in the woods away from civilisation you'd probably find it.
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