I disagree with the assertion that money isn't supposed to sit idle. Money is to "useful work" as a battery is to a generator, it stores past effort for future use. That's why historically, metals like silver or gold were used for money, and not say, pieces of animal pelts, because of metal's durability and relative scarcity, preserving the value of work over time.

I agree with you completely but remember, there's working class people in every race, just like there's white women with 4 children from a womanizing black man collecting both welfare and child support