I'm not going to go into Austrian economics here, but to elaborate on something that is not common knowledge, even among Christians.
The Torah's lending system without usury and with debt forgiveness together with the Jubilee system were the anti-trust laws of their day. The monetary goal of that system was to increase monetary velocity and maximize the marginal value of capital, putting every penny into the hands of those most likely to produce as much wealth from every penny as possible, thus maximizing total aggregate wealth.
By contrast, stored cash produces nothing. Beyond the maximum of that marginal value curve, the more one has, the less valuable each monetary unit becomes.
Together, these Judaic laws were designed to have every person producing at the maximum of their ability, which not only maximizes total wealth, it defrays the otherwise socialized risk of rebellion. Historically, the wealthy do not do well in popular rebellions. The Torah's system thus reduced the risk of political catastrophe, teaching the wealthy that what they have is not due to their own work but is a blessing from the Lord. IMHO, that "sealing" if you will, that protection from catastrophe, is why it the Jubilee was to commence on Yom Kippur.
Thank you.