So you are saying that if the average person has enough money he will invest it himself?
If the average person has enough money to finance his desiderata, if and when its needed,
someone will invest to provide those. The idea that there isnt enough capital for investment is ludicrous; never in recent history has there been a greater concentration of wealth. That wealth is available to invest, the only thing thats missing is the incentive.. ie, profitability of the investment.