$100 now is worth strictly more than $100 later, because now I can do a strict superset of what I can do with it later (namely, spend it on anything between now and then), as well as hold on to it and turn it into $100 later.
There could be Schellingesque reasons to wish to lack money during a certain time. For example, suppose you can have a debt forgiven iff you can prove that you have no money at a certain time; then you don’t want to have money at that time, but you would still benefit from acquiring the money later.
There could be Schellingesque reasons to wish to lack money during a certain time. For example, suppose you can have a debt forgiven iff you can prove that you have no money at a certain time; then you don’t want to have money at that time, but you would still benefit from acquiring the money later.