I think you are missing the positive sides of money-hoarding. Whenever someone doesn't spend the money that person has earned, she saves resources for someone else to use (because she doesn't consume them). This increases the availability of resources in an economy, arguably a good thing, right?
http://www.forbes.com/2009/02/03/banking-federal-reserve-bus...
“Firms' Cash Hoarding Stunts Europe”
http://online.wsj.com/article/SB1000142405270230472440457729...