As opposed to the fraud that IS the stock market today? (For the average person the stock market offers no return, the 20th century was good but now it is so ef

As opposed to the fraud that IS the stock market today? (For the average person the stock market offers no return, the 20th century was good but now it is so efficient that any extra is skimmed off by the smarter hedge funds). There is an overinvestment in the stock market today, the excess money needs to go somewhere so elsewhere, which for the past few years was the housing bubble. However housing is not a wealth producing exportable industry (and is already overinvested/iverpriced), and so the capital needs a new outlet - private equity (which includes venture capital). The fact that this investment option has been closed of to ordinary people is the real fraud (that has been occurring for 80 years now).