The wealth of BTC and most of these faith-based currencies seem to me to not actually be owned by the common users or holders of the wealth but actually by the "cabal" or those who own most of it. I don't think we should depend on any wealth management system that can be manipulated by elites. We simply need to not worry about hoarding lots of wealth as that is never healthy for society in long term, but we need a system to facilitate exchanges of services and goods, Simbi barter system is closer but still pushes too much on their own simbi coin, which not even secured cryptographically so is very faith based. We need faithless exchange systems.