Banks are terrible by design; they want to kill the savers. I look at it this way: the capitalistic model relies on credit when banks lend money at a rate of interest and borrowers must earn a higher rate of return to come out profitable. All the traditional investments are bogus and subject to financial system related risks. So I look at it this way: capitalism is the idea of capital owners putting ordinary people to work at facilities they own and on the machinery and equipment that belongs to them. The workers perform their jobs and generate all of the income for the business. In return, they are given a portion of the income out of those revenues they generated for the business. No doubt, there are many healthy businesses that make good profits. The business owners enjoy the bulk of revenues because they are able to purchase and own the implements that are necessary to provide goods and services. The owners are also skilled at organizing the activities of the workers, selling the right products and services under a sound approach, and reducing waste and inefficiency.
So what separate the workers from the investors are money and the ability to organize and manage activities of the business. Put any other way, the investors make more money than the workers because the worker can't sell his abilities to the public directly. So he accepts a losing bargain; he along with his colleagues will agree to work for a value less than what is actually created through their services. Specifically, the owners of a company will not want to keep you in the company's employ unless your salary is less what you contribute through your role in the company.
Aspiring investors must establish the ability to sell their services directly to customers. Or, they must save money and develop their business knowledge until they too can become successful business owners. It takes acumen and patience to organize customers, employees, and suppliers in an arrangement they all accept and which is in your business interests.
Note that the wealthiest people are the professionals (doctors, lawyers, accountants and so on) and business owners, because they leverage control over some aspect of the overall process that generates the value.