<i>I think the other side of that argument is why the capital gets locked up in the first place? </i><p>It&#x27;s because there&#x27;s excess surplus from productivity gains. If you work 1 hour a day you can be far more productive than just a few years ago. Either wages should increase to match that gain or hours should decrease to match that gain. In both cases, wealth would be unlocked.<p>If you work fewer hours you get more time for hobbies and side projects and other wealth-creation ideas.<p>If you work the same amount of hours but for a higher salary, you get money to shift into investments or to be able to take time off to invest in yourself and your family.<p>The current surplus wealth goes to the top and to the company itself.