Water flows. Money circulates. In flowing, water always seeks a way down to the lowest levels, where it accumulates to form wells, ponds, lakes, pools, and seas. The water that falls on the heights flows down to the valleys, to gather in such deep places.  Human habitations can be built beside such places, the natural places of water, and along the streams and rivers that flow into them. In contrast, money in its circulation proceeds quite differently. Instead of flowing from above down to what is below, it rises upwards into ever more rarefied heights to accumulate there, where fewer and fewer people can survive.