[tomp]

> I can guarantee you the majority of capital pumped into businesses does not come from the people who will do the work.

Well, it comes from the people that invest money (investors), others invest work/time, and they all get the benefits.

Funny enough, a large chunk of invested capital these days (both in equities/index funds, as well as hedge funds and PE/VC) comes from... drumrol: workers (or, more precisely, their pension funds)! In this case, I actually totally agree that it's stupid and unrealistic to expect a risk-free, forever-growing, >4% compound return by doing what everyone else is doing, but unfortunately, the whole pension system is flawed this way, there's not much we can do about it (individually).