This is actually one of your papers, and conclusions, I have a serious issue with. In short, though, to come to the conclusion you propose one would have to assume that all knowledge is priceless, or that all knowledge is worth the same. That's patently false, as the knowledge for how to to brain surgery is vastly more difficult to obtain (even with free information available on the internet) than the knowledge of how to, say, fix a computer, and thus necessarily would demand more reward for applying it. So, I'm fairly confident that someone with low level knowledge skills would still like to convert his knowledge into capital and save it over time, to be able to afford the knowledge skills of someone else who may have more, or even just different, knowledge from them.