Re-program: We lived in a state of scarcity for millions of years. We did not have the necessities of life most of the time, so our minds have been programmed to get and hoard as much as we can.
We are no longer in a state of scarcity, and we have to re-program our minds to realize it and take advantage of this rare situation. If we do not, we will go back to scarcity. If we do re-program ourselves, we will never live in scarcity again.
Excess: It is like sugar, salt, and fat. We could never get enough of it in the past, so now that we can get all we need, we crave more and more, and it is ruining our health. It is a natural thing for the pendulum to swing from scarcity to excess.
It is the same with money; it stems from the time we did not have the basics to survive, so we had to have money just to survive. Now that it is comparatively easy to get the basics, people are overshooting. People just keep getting more and more, not realizing that having more than they need is harmful to them.