The article discusses how having too much money in the economy can lead to problems like asset bubbles and income inequality. The researchers suggest a level of optimal liquidity to prevent these issues. If there is too much money, asset prices can rise faster than the cost of goods, causing a gap between the value of assets and their real worth. This can widen the gap between rich people who own assets and regular workers who rely on salaries. Eventually, this could lead to a sudden drop in asset values, affecting the overall economy.