If we actually have to talk about the engine room of an economy, Then we should be pointing at the government because they are the ones to set up the structures and installs economical infrastructures in the communities while private institutions and entrepreneurship are the wings to exploit the economy including innovations and markets influence to bring economy improvement in a nation.

Don't forget the the flaws on regulating market and consider decentralized market like Bitcoin and crypto a more prospective to achieve your financial goal while your obligations to hold for the long term be an advantage to achieve the goals.