well, actually a lot more jobs have been created as a result of financing. About 50 million jobs in the 80s and 90s - financial services / technology boom. Most internet / computer / biotech companies have been started by financing from investment banks or investors with the advise and structure by the banks and most companies issue stocks and bonds to obtain funding for R&D. Anyway, this is finance 101 and is silly to continue. Feel free to believe what you want. BTW, the 401k is also a finance product not available in other countries although they're rolling it out.
'11 550i Sport
'08 535i Sport, BMW Welt, Dec. 23, 2007
'06 330i Sport
'06 P Boxster
'02 C32 AMG