It's a tax even if you aren't a net saver. If you produce products (hopefully we all do), let's say you are responsible for 3 grocery shelfs worth of equivalent goods a day. You and other workers indirectly stock those shelves every day, and every day you get to clear those shelves your allotted amount. But if money is flowing into the market without work being done, somebody, either a welfare recipient, a bank, a government worker that doesn't actually produce anything, gets to take items off of that shelf before real workers, and then the real workers have to divide the remainder. Meaning, you are producing more than you are allowed to consume. You ever notice how hard you've been working lately while prices have been going up and telling you you have to consume less? That wouldn't be possible without a central bank. Even if you don't have a large amount of money staked in USD or are net-negative staked in USD (are a debtor), if you work you are being taxed by the central bank and the unworthy consumers that follow it. Unworthy consumers really are the only tax. Let's say we taxed everyone 15% flat, then we through that money in a pit. That would be a non-tax because everyone would retain their relative share of consumption. No goods were damaged by burning money. It's a tax when you give the government money, and then they consume. If they take in less than they consume, you are being taxed the full amount they consume.