Those so-called idiots outnumber your VCs and they are risk averse.
Anyone who is risk adverse would have a portfolio of something like 25% physical cash, 25% metals, 25% land/rental properties, 25% btc. Although such a spread is somewhat difficult for most people to achieve when incorporating any amount of land is a large amount of money. None of this involves using a bank.
http://independenttrader.org/permanent-portfolio-models-and-their-long-term-roi.htmlStocks and bonds are out of the question right now, so most of that info is outdated. If you can't afford land at all to incorporate, well, that means you don't really have much and might as well hit the maximum leverage long button on something and maybe you'll be an aristocrat someday.