When I read the word bank in a sentence connected to financial advice... I skip. I never trusted banks as their best interest is not to get you rich, but to get you spending money you don't have. I think that you are right when you say that the chances for the younger generations to get wealthy with traditional economy are lower and lower. Why not pick the alternative? It takes a bit of financial know how and a bit of risk in order to override the old conditioning of playing it safe as many people have been taught.