> Capitalists want you to spend that money as soon as possible instead of amassing vast amounts of it
No, capitalists want your money to be productive. You don't have to spend your money, though that is an option, you have many other options for what to do with your money.
> you have many other options for what to do with your money
That's what I meant by "or lend it out so others can spend it". That's what all those options come down to. Money cannot just sit in someone's accounts doing nothing, it must either be spent or given to someone else who will spend it: loans, investments.
No, capitalists want your money to be productive. You don't have to spend your money, though that is an option, you have many other options for what to do with your money.