> Most of the wealth in civilization, in fact all of it, has been created. After re-reading your comment, I realize I think I misterpreted this sentence. He's

> Most of the wealth in civilization, in fact all of it, has been created. After re-reading your comment, I realize I think I misterpreted this sentence. He's not saying the total future value has already been created, he's saying the past value was worked for