But you can&#x27;t be bothered to explain where I&#x27;ve gone wrong? That&#x27;s too bad.<p>Regarding hoarding, do you think I meant they&#x27;re keeping it under a mattress? Hoarding (which I&#x27;ll admit is poor word choice and inflammatory) means they&#x27;re allowed by policy to keep more than they ought to be if we want a UBI, or to raise up the lowest end of income spectrum.