What is the ruling on hoarding money and not investing it in a country facing severe hardship, while paying its Zakat annually?

It is not forbidden to save money and not trade with it, as long as its owner pays its zakat. The majority of scholars consider this permissible, citing inheritance verses and the hadith of Sa'd ibn Abi Waqqas: "It is better for you to leave your heirs wealthy than to leave them poor, begging from people."