Average income and wealth has massively increased over the last century, so we are slowly but surely getting to that utopia. But it happens at a pace that is to

Average income and wealth has massively increased over the last century, so we are slowly but surely getting to that utopia. But it happens at a pace that is too slow to be experientially perceptible. I would add however that there does appear to be some barrier limiting the ability of ordinary people to accumulate financial capital, and I attribute that to friction/fixed-costs imposed by regulations. New services, like Robinhood, and technology, like cryptocurrency, could address this, and allow wider participation in capital markets.