I think its harder to some extent, but you can always find a niche to make significant improvements. If you think that everything is already done and there is nothing else left, that just means you're spending enough time on experimenting and researching.

As far as investment concerned, I'm personally a self-funded solo founder. This is a very hard and stressful path. I'd love to get an investment with a reasonable deal, but for me that's a little bit early. I probably start working in that area once I get few paying customers.

If you haven't yet already done so, read the "Lean Startup" book. I'm by no means associated with it. It was very useful to me, and I think this should the very first think for entrepreneurs to do. Will be probably best $15 spent on amazon.