Unfortunately, most developed nation's govs have chosen the easy path of flooding their economies with cheap credit (thru inflated money supply) to give the impression that their economies are strong (consumer credit spending driven) . . . ergo, they are doing a good job & should be re-elected.
Given access to a virtual bottomless credit facility, your average Mr or Mrs Public has 5 choices of what to do with it:
Buy Consumer Goods - go backward in real personal wealth accumulation
Do Nothing (abstain) - real personal wealth stands still (at best)
Buy Property - easiest "passive" investment requiring the least risk (in those times) & work - exposure to increasing real personal wealth if timed correctly
Buy Shares - semi-active activity, giving exposure to increasing real personal wealth if timed correctly
Invest Directly in Business - directly active, high risk (high leverage . . . win big/loose big)
Success with the the passive or semi passive activities pretty well depends on timing the investment cycle. So with a little experience, that activity is pretty well a "no brainer" allowing wealth building with (comparitively) very little effort. Mr & Mrs Public's "success" is reflected in an increasing personal wealth 'book value' which allows them to access further capital thus perpetuating the cycle via self fullfilling prophesy . . . .
The simple fact of wealth creation is that their are essentially 2 factors of production, Labour & Capital If you have no capital you must use your labour to create wealth. But (an individual's) labour is finite in supply therefore limiting wealth creation from that source, so as soon as possible Capital needs to 'suppliment' labour as capital is (in theory) infinite = infinite wealth creation opportunity.
So it is relatively easy to understand why capital flows to where it does . . . . it flows to those areas that return a positive net outcome from the least labour expenditure. . . . why bust a gut in your own "business", robbing you of 'time' while exposing yourself to massively increased financial danger for relatively little upside
