[Gpetrium]

Most nations are shifting or have shifted to a service based economy, which means that most of the exchange of money is for a service, not parts, materials, etc. Services are often meant to augment the lives of individuals and businesses in different ways.

A lot of folks complain that companies like Google have made so much money that they don't have anywhere to spend so they start to hoard it instead of 'helping the economy'. The reality is that for a company, it is better to wait instead of investing for the sake of investing without considering the returns. It is also worth noting that when a company makes so much money, they often shift a portion of their business into the 'Financial services' segment of the economy.

I find it difficult to sell the idea that banks, etc are not part of the market. For example, without a bank loan at X% interest, some industries wouldn't exist. Without insurance for X product, a lot of companies and technologies wouldn't exist since insurance impacts risk level, etc.