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What do you not understand about humanity?
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Greed
With limited resources, this makes sense. If half the population gave away all their money, they other half would have all the food/housing/etc. We work for potential resources to survive, and on that premise having more potential resources saved for our own future (when the future is so variable) makes sense. That doesn't mean people don't donate/give things they aren't using/don't use anymore, but greed is apart of capitalism and barter economies.