More generally they’d get more value by making it economically untenable to take up resources by holding savings and benefiting from growth than they would by allowing that.
But then others could play the same trick on them. It’s not worth it. “Group G of Agents could get more resources by doing X” does not necessarily imply that Group G will do X!
Humans even keep groups like The Amish around.
Hard property rights are an equilibrium in a multi-player game where power shifts are uncertain and either agents are risk averse or there are gains from investment, trade and specialization.
Looking historically we see that strength of property rights correlates with technological sophistication and scale of society.
Here’s a deep research report on that issue:
https://chatgpt.com/share/698902ca-9e78-8002-b350-13073c662d9d