When someone says "it is much easier...than it was 30 years ago, or even 10 years ago" I think they are expressly referring to it being easier for ordinary peop

When someone says "it is much easier...than it was 30 years ago, or even 10 years ago" I think they are expressly referring to it being easier for ordinary people and not "rich capitalists". Do you not think that rich people knew about interest rates and money market accounts all along? How could it be much easier for them?