The majority of “investments”, as in loans granted by banks, are people with fixed assets buying more fixed assets, such as real estate. The innovators, mom & p

The majority of “investments”, as in loans granted by banks, are people with fixed assets buying more fixed assets, such as real estate. The innovators, mom & pops, farmers etc who take a loan for a venture are the minority. Makes sense for the capital holder. Why take risks when cornering markets is much safer?