boom! had an idea. feedback please.

What if there was a law limiting how much money a person/corporation could have? Not wealth, evaluated in money. But actual cash money in their bank account.

You see, money has to circulate.

One of the problems we have right now is that banks are sitting on massive amounts of reserve cash and not loaning enough out.

However, if there was a law limiting how much money a person/corporation could have, then they would be forced to buy assets with their wealth. No one or thing would be able to save money.

So to accumulate wealth they would have to actually buy physical wealth.

So, you could not have a bank account with twenty million dollars in it. You would have to have twenty million dollars worth of houses or something.

What do you guys think? I know there would have to be some things to overcome, like how would a large company handle cashflow to pay all of its employees, etc. but I think this is a solid idea.