It's create vs. consume, not create vs. hold.
Holding this value is an outcome of years of discipline. If you want to have more, create more than you consume. Also: this is a condition, but not a given.
Discussion
In reference to “You should only be able to consume from the world as much value as you create for it.” A hodler is not creating anything through the act of hodling, yet they have the opportunity to consume more by appreciation.