[Barrin92]

Collecting compounding interest on capital isn't planning for the future, it's robbing from the future, that was Gesell's point. Inherent to his notion of perishable money is that what improves the future is work, investment, economic activity, and exchange. Perishable money wouldn't make you more dependent on your boss or a lender but less, because people would be pretty eager to actually hand you money for your work or business idea, rather than accumulating it.

A tax on money costs the people who hold it, and benefits the people who primarily use it as a medium of exchange.