Your gold and silver is worthless and shall witness against you. But it's the wrong kind of treasure. These have plenty of gold, but it's the wrong kind. Its that gold that bought men's lives and destroyed them. It was the gold that warped and twisted human character, for its love was the root of all evil.
Faith is much more precious than gold that perishes.
The gold of God is a Christ-like character, produced in the fiery furnace of affliction. That's the right kind of gold. James condemns such as the International Money Cartel who defraud others while indulging themselves, making their hearts insensitive to faith, condemning and killing just men, unable to resist them. The revelation of the Seven Seals in 1963 brought Him back to earth in WORD Form. Christ waits for the precious fruit of the earth, His true Church, and has long patience, until His end-time Bride, receives the early and the latter rain.