Suzanne, I think (also) that our stock market system is geared BY
the rich, for the rich, etc., etc.   And, while, yes - should the 
poor (whether "down & out", working, moderately, etc.) ever get
hold of a huge block of money to invest - fat chance that we'd feel
like "gambling" it (yes, in essence that's what it is) in the market.
There is always a dire NEED for something basic (health care,
automobile, etc.) to spend it on - or if nothing else, to pay off 
bills from prior purchases on credit!  (And that's for those who 
happen to have *enough* credit for their needs...)

But - look at who "runs our system."  It sure isn't "US!"  Any
huge conglomerate (by any other name) sets the pace for those
in the group.

Jackie

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