Hoarding is about intent, different from saving. Acaparar in Spanish. To take up all there is for yourself, so others have nothing and suffer in need. Whereas saving is sacrifice, so someday there can be something to give in an exceptional situation. Or in an exceptional opportunity, as in investment, but this is secondary, because the purpose of this secondary interpretation is subjugated to the primary interpretation, to eg invest to get a good return to at some point rescue an orphaned grandchild.