Invest in me and I can get you something of value that normally only the government can give you. Surely you'd pay more for the same investment when it opens up an immigration pathway.
But if you don't have anything to offer an investment in, you're excluded from this program.
But all of this exists in a competitive market. The person soliciting investment in your example isn't the only person that can help people get visas. Anyone who has some sort of business that falls under the applicable criteria is eligible. The immigrant can even start their own business. Therefore, blaming the government doesn't really make sense. Caveat emptor.