Any system of capital only works for those with capital to invest. Why put most people as ants in terms of capital reserves, with a few the size of mountains? It doesn’t make any sense as to getting the work and the use out of capital.
At the end of each monthly cycle, let’s say you’ve produced your outputs outside the scope of monetary investment - let’s say a few nuclear research centers, new antibiotic drug treatments, and food. Immediately then all the excess capital isn’t sloshing around in the system anymore - so for investment’s sake it would be much better spread and redistributed amongst all those who would see it spent on something productive.
You could take off an arbitrary, chunk - let’s say 10%, at the end of each monthly cycle or yearly cycle of capitalism. Or you could go even smarter and say that immediately any money sitting and not being spent for an entire cycle is not working effectively i.e. it’s not actual capital anymore! That’s exactly one of the fundamental mathematical problems of capitalism. What the superrich are actually doing is devaluing the value of money! It’s a catastrophe for all true capitalists, because we know the vast majority of any pool of money isn’t actively being spent at the top end, but being sat on to the detriment of new money sloshing around and revitalizing new free markets and new economic trade/activity.
One of the key things a new system needs is a shake-up of the implementation of working capital and investment. We can surely trust the real creators of wealth, the world’s workers, with more of the investment power of capital (money). Money isn’t ever a static object, it’s a piece of investment power for what the world should produce next. And if we want a more fluid economy then we need the poorest to have access to direct the free market by choosing what most people actually need. That’s the way forward in a huge sense, rather than megawealthy individuals and corporations rushing to hide money and stash it away from the nation’s economy in a tax haven.