> They do it by spreading information and reducing barriers, not by giving money to higher risk people though, since that's easier to align with their place in the system.

And it is mostly misguided. The barrier to entry and availability of information is what have already changed. It is everything else that hasn't. Or it has, but in the wrong way. By charging a premium for housing, education and contacts instead of taking it out of the equation. Some day all this friction is going to have consequences.