In response to Pascal Monett: If we need always need the bankers, and I feel you implied the "always," why is Linux such a fantastic product.

Off-topic: The best way to make money is not to concern yourself too much with it. My goal is to increase the sum total of happiness in the world. If I'm ever living large, and have a lot of money to throw around, it's time to look for things to throw it at that aren't necessarily profitable for me, water wells for Africans, microloans, chancy green technology research, etc. If I'm not living large, than I do little things. I have a friend who doesn't have a lot of money, so when we go out, the rule is,"I treat, but you behave like you're using your own money when you look at the menu."

That may well be, but they have the money you need. If you can't convince them, they'll keep their money and you're up the creek without a paddle.
So it may pay to not be too confident.

Ah, the wonders of self-motivation. Sounds exactly like the kind of thing those dot-com failures must have been thinking.
Except that, to be true, you have to be part of the real elite, not a Leander, Malmsten or Hedelin. You have to know how to not get blinded by form over function, how to define your target market and its desires, and carefully plan how to fulfill said desires.
There are people that can do it, but there are a lot of people who will just latch on to the motivational track without any reality check.