> The very fact that many people want to do something for reasons other than sheer profit means that profit will be driven below normal which will cause pain over time.

Cash on hand is a lot more nuanced that profit vs not profit. Airlines spend tons of money on stock buybacks due to the drive for "profit" which hurt their cash on hand significantly.

Cash on hand is either: unclaimed profit, capital or loans (Accounts payable that isn't fulfilled). So while having more profit can make it easier to have cash on hand it isn't the only way.

> What can the rich do to prevent this?

I don't understand where this question came from. Are you talking about banks reducing the chance of bad debt due to insufficient liquidity? Are you talking about the rich trying to stop small businesses from increasing competition and reduce their profits?

> Like the way in the US you have to be a "qualified investor" with a certain amount of assets to invest in unregulated securities.

Unregulated securities are often a synonym for "scams" that is why you have to be a qualified investor.