That would require demurrage which is never going to happen. I'll be honest. It's not demurrage itself that we need, it's just much easier to implement. What we need is a linkage between the lifetime of debt and money. Defaulting on debt should destroy money. I.e. money is only valid as long as the contract (the debt) that created it is valid. Given a sufficiently advanced electronic currency you would track the expiry of every single dollar. The lender then would decide whether he wants to extend the expiry of the dollar and thereby extend the due date of the debt.
The fundamental problem with short term thinking (positive time preference) is that people want to "flee" into fictional wealth. Rather than build a long lasting monument (companies like blue origin count as monument) they prefer to increase a number on a balance sheet in the form of a bank account. What makes fictional wealth so attractive? As mentioned above money is just the other side of a debt contract. By withholding your money you extend the debt. In other words, a lot of people promise to work for you. Having idle servants is the entire reason behind accumulating money. If you truly wanted to achieve full employment then all money earned must be spent eventually, to be more specific all debts must be fulfilled. It would mean that your wealth cannot exist in the form forced coercion of other people. Employees would still come and work in your companies but they would leave each day with a fair share of the wealth they helped create. All your wealth would have to be long lasting and the environment, which is the longest lasting form of prosperity, would be considered part of your wealth.
Ancient Egypt had something closer to a "grain standard" meaning that farmers deposit grain in a storehouse where they receive something akin to a coupon which you can trade in for grain. Their money is representing a claim to a spoiling good! The horror! The complete antithesis of the gold standard. Just imagine what a backwards society that must have been! Of course the truth is everyone remembers ancient Egypt as an advanced civilization for its time.