I believe that all economic systems favour those with capital above those who labour. The wealthy have always made more money sitting in their houses than those who work all day. The phrase having money makes money is true even for someone who unambitiously dollar cost averages their entire lives.
That will always be the case. A person earning only wages or salary is constrained by the hours they can work.
But capital investments can grow exponentially, they earn (or lose) money whatever you are doing.
The thing is people who work can get into the capital side of things by investing in Kiwisaver. If nothing else you roughly double your money to the contribution level your employer matches. The thing is to start early.
I started small funds for both my kids in time to get the $1,000 kick-start and I chip in a little money every now and then.
Unless of course you are self employed in which case you have to pay both parts...!