> I would suggest to rather see it this way: If they are making above average gains they are probably better at investing their capital than the average person, but also helped by the increased bargaining power of the amount of capital that they have.
Again you ignoring mathematics. The interest function is an exponential function. It transfers money from borrowers to lenders - it's a law. It has nothing to do with wiser investment decisions. If don't have savings you can't invest.
> The USA has a much lower GDP per capita than most of those countries you have mentioned.
I am sorry, that is not right. All countries that I mentioned have lower GDP per capita that the US. http://en.wikipedia.org/wiki/List_of_countries_by_GDP_(PPP)_... There are only 3 countries in Europe who have a higher GDP per capita: Lichtenstein, Luxenbourg and Norway. The economic power of the US is immense, but the allocation should be optimized.
Again you ignoring mathematics. The interest function is an exponential function. It transfers money from borrowers to lenders - it's a law. It has nothing to do with wiser investment decisions. If don't have savings you can't invest.
> The USA has a much lower GDP per capita than most of those countries you have mentioned.
I am sorry, that is not right. All countries that I mentioned have lower GDP per capita that the US. http://en.wikipedia.org/wiki/List_of_countries_by_GDP_(PPP)_... There are only 3 countries in Europe who have a higher GDP per capita: Lichtenstein, Luxenbourg and Norway. The economic power of the US is immense, but the allocation should be optimized.