Money that rots
Everything alive decays. Grain spoils, bodies age, forests fall and feed the next forest. Money is the single thing we built that does the opposite — and we are paying for the exception.
Put a tonne of wheat in a barn and come back in a year. You have less wheat. Put a herd in a field and leave it untended — some of it dies. Hold a forest still and it does not stay still; it grows, falls, rots, and grows again.
Now put money in an account and come back in a year. You have more money.
The exception we built
Everything in nature is subject to decay and regeneration. Money alone was designed to escape that law, and interest is the mechanism of the escape: the one store of value that grows simply by being held, while every real thing it claims to represent is quietly falling apart.
The consequence is not abstract. If holding money pays better than doing anything with it, then waiting beats building, and rent beats work. That is not a moral failing of bankers. It is arithmetic, and it compounds.
Demurrage
Silvio Gesell’s answer was to put money back under the same law as the wheat: a small, steady carrying cost on holding it. Not a punishment — a correction. Money that rots slightly circulates, because holding it has a price and using it does not.
This is the principle Aggora Coin is built on. The full argument, with the mechanism and the objections I think are strongest, is in the paper.