First of all, welcome. Please note that you should post this question under "Economics Questions", not "Members Issues". The purpose of the Members Issues forum is explained in the opening post.
Re-post this under Economics Questions, and I'm sure a discussion will begin. Again, welcome.
"The market is a process." - Ludwig von Mises, as related by Israel Kirzner. "Capital formation is a beautiful thing" - Chloe732.