Who are the idle holders of idle capital in William jennings Bryan's cross of gold speech?

In William Jennings Bryan's "Cross of Gold" speech, the idle holders of idle capital refer to wealthy industrialists and financiers who hoard their wealth rather than invest it in productive enterprises. Bryan criticizes these individuals for their unwillingness to engage in economic activities that would benefit the broader population, particularly struggling farmers and laborers. He argues that their inaction contributes to economic inequality and stifles the prosperity of the nation. Ultimately, Bryan calls for reforms to challenge their influence and support the working class.