Bitcoins are inherently nothing. Either the hoarder injects them into active circulation or a financial institution holding them will lend them out (assuming such institutions will exist, and if they don't exist, there'll be pressure for them to exist, either from present institutions or newly created ones.) Don't underestimate banks' desire to accumulate whatever liquid assets they can get their hands on. Goldman Sachs will realize this if no one else does.
In any case, scarcity+marketplace has its own checks and balances.
In any case, scarcity+marketplace has its own checks and balances.