Bow ya figure that makes no sense. Accumulating resources in a vault untouched is the least effecient form, you literally have negative effiency as inflation devalues assets. A person would achieve effiency by investing thrir mo ey wisely and ensuring other people are using those resources to effectively increase the total resources in the market.
You are getting stuck in the fallacy that someone havibg authority (ownership) over those resources means that other people cant use it for their own gains as well which is entierly contrary to the reality. Those resources will be in others hands and used by them in some agreement to use them for mutual gain (investment in others).