What I have done is actually to look at things from a systems point of view.
Taking that view to a second order abstraction, one gets to see what the systemic incentive structure of the current market based system seems to be. When one looks at that, it is clear why we have the demand structure we do in the market systems we have.
From this perspective, it is clear that if money is a major factor in decision making, then the resulting systemic incentive structure does not deliver low risk profiles long term.
Such a system delivers structural poverty where none need exist.