We live in a country that has access to the greatest pool of liquidity in the world. Our market structure allows entrepreneurs, inclined to take risk, access to capital. Conversely, it allows for those with capital and also inclined to take risk, access to ideas in which to invest. Combine that with ever advancing technology and what you end up with is a low-barrier-to-entry system where anyone can participate.
You could add to your list of toe tags, the too big to jail banks.
But of course you didn't and won't.