These two charges are usually leveled at successful entrepreneurs.
A person who hoards money is literally being selfless: they provided a service or produced goods for which they money were given, then proceeded to hold onto these *tokens of value* without receiving any reciprocal services or goods in exchange. In short, they make everyone else’s money just a little more valuable by reducing the supply of cash in circulation. For instance, a tourist who swaps dollars for euros and brings back the balance as souvenirs, never claims those euros’ worth of goods and services and, in effect, gifts their value to the people of the EU.
That said, *successful* people do not hoard money. They either invest them in their own business or in some else’s. So the value they received is immediately put to use for creating more valuable services or goods. They either invest in equipment or training to improve their own productivity, or create jobs for others.
Either hoarding or investing provide a benefit, so long as the money was received through voluntary trade and not through coercion like taxes.