> There are nearly risk-free methods of making investment returns
This is a problem. The "risk free returns" are state enabled rentier schemes. They are not only "risk free", they are also "effort free".
If someone is taking a free ride they are a rentier.
If you have a lot of these people, overall living standards tank.
If it becomes the only paradigm that people can imagine making a difference, you are on the road to total collapse.
