Sorry hadn't read the entire thread before posting. It's being used in 9:34 as negative and that's apparently the only place I can see it while doing a concordance. The rest of the verses people opine are about hoarding use terms like accumulation/gathering for example. This can be bad or good depending on how it's used. It'd say the latter above in the quote is one of the ways that it can be destructive/useless/wasteful. There is no injunction where buying a better car/house or saving for our futures so on and so forth is forbidden or frowned upon. As in all things balance i.e. enjoy wealth wisely and responsibly not being stingy or wasteful (extremes).
As far as the english goes, I'd choose saving over hoarding (if I was using it in a positive way) I suppose as I don't come across someone saying 'they were saving rice to sell it to others higher later' often. Probably personal choice since hoarding can encapsulate a more destructive form of saving...and saving usually connotes valid personal use I guess? The emphasis is on use (how/what (purpose) is it being used for, will it actually get any proper use etc).
In either case, my opinion is as above: balance and that wealth is something to be used constructively and with proper thought. It can be wasted and destructive in the hands of some and cause lots of good for many/some in the hands of others. If you're worried about there being a difference between general use and spending it in the way of God, just divvy it up and use it for a little of each purpose, the ratios changing with changing circumstances, adjusting it to the various factors so on and so forth and for most intents and purposes this would cover a lot of bases generally and keep the balanced aspect.
So in the end the end what is sinful is keeping it locked up for the sake of locking it up as "treasure" therefore no one gets any use out of it, not even the owner. Course I am now curious if a "coin collection" counts as this?
And so the English one would work better as "Saving" then eh, thus why I guess they say people have "savings" accounts
As for the rest of what you said, yeah we also can't go around throwing money everywhere to the point where it cuts into our needs. Course spending itself does help society get better especially in places like Canada where the government charged 13% on everything you buy, thus you pay a little charity with everything you buy too, but one has to in the end not let it cut into his needs, which is why we also have that command where we should not overpay in charity.
So I guess in the end as long as I pay my charity, have plans for my money that i'm storing up in the bank or whatever and not simply throwing it there and have plans on never touching it then i'm okay
Course I have noticed that in stories like Qarun where hoarding was more that he had so much that everyone around him was suffering. I wonder if the Quran is referring to those types of extremes as result? Afterall the Quran hasn't forbid us of having treasure as Solomon had his Kingdom, and how God said we are to enjoy them in 3:14. I am thus coming up witht the theory that it means to excessively hoard to the point where society is being damaged around you and is sinful if doesn't give from it to charity or spend it in any way in the name of God as stated in 9:34.
Course I don't care for treasure as I got a use my money to buy things such as food and video games, save for later use, save as backup, or invest for the future and never to stay as idle with the purpose of never wanting to use it.
Course the new question that pops up is having a collection? People collect coins, stamps movies and even a video game collection such as myself. I myself buy a lot of video games and do play them but after I beat them, I keep them as collection. Some might say "why not sell them or give then away" but honestly they are like a form of treasure to me now and would not ever wanna give up this collection. Which got me wondering if that is like hoarding? I already did buy them so they belong to me, so its not like i'm withholding unused stuff but simply merchandise I bought with money.