[roma1n]

Not really. You have what already exists for handling investments, e.g. you pay Yomoni (a tiny startup) to make decisions for you but your money is handled by one of the big banks e.g. Crédit Agricole. Your point is somewhat valid, but also amounts to "there is a government-enforced monopoly for large companies in the airliner production space". Damn right there is. For the same safety reasons.