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to be clear, "holding" on to money is innately going to be investing. Not only is holding onto significant piles of cash incredibly sketchy, it's also really bad financial strategy, because you lose money over time, so you're highly incentivized to invest the money you don't actively need, into something that can do productive work for the market economy instead.
If we're talking corporate money, which is different, and not the type of money you mentioned, things work a bit differently, but generally the mechanism is roughly the same, with some tax benefits, and mechanisms to create productivity rather than provide it instead. There are some funny things you can do like stock buybacks, but those do have some market utility though.