5:13a There is a grievous evil I have seen under the sun:

I have noticed a terrible thing in this world that causes suffering.
-or-
There is a very bad/sad thing that I have seen happen in this life.

5:13b wealth hoarded to the harm of its owner,

Riches had a bad effect on the person who possessed them.
-or-
People get rich, but it is not good for them.

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