Doing that creating requires taking on sizable risk, a chunk of investment up front, and most importantly, a lot of hard work, consistently applied over multiple years. I know I have had conversations with myself about starting a business or building a rent house and the cost benefit calculus always comes back “invest in the stock market, 10% return for zero effort over the long haul.”

It’s getting over the initial hump of “would trying this be profitable, discounting for risk, effort, and opportunity cost?” That is the issue. Lower real returns in the market might change this.