Kiyosaki is right, dollars have no intrinsic value.
If you are going to try to accumulate dollars, you are wasting your time as dollars have no value other than that which we and other people place on those’ little green pieces of paper with pictures of dead presidents on them’.
Banking is not about accumulating, it is about utilizing money (however one defines money) to create wealth.
Wealth is NOT money! Gold is a commodity, just like sugar, corn, chocolate, or Twinkies. Commodities to be valuable must be traded for something both exchangers find of value.
Banking is about the efficient movement of money (however one defines it) from one place to another, in the most timely and efficient manner possible.
The banking process is a part of everything we do and every exchange we make. You can buy gold and sit on it (accumulate it), but eventually you will have to convert it to something you want more than you want the gold.
Be careful with ‘accumulating’ as accumulating can rapidly turn to dead or lifeless assets which then become toxic and become liabilities. That process is the exchange process, which banking facilitates.