Even if we don't have money but we were able to bring the us into an investment such as a trading buy buy gold and buy land for speculation in the proper time interval. Some may take it to chance and the rest to leave the Bank to receive the interest based on the interest rate that the Bank assign.
Although we do not have a lot of money But we can take the money that we have invested as share trading, buy gold and buy land for speculation in the right moment. Some may be luck. The rest went to the bank to earn interest on the interest rate set by the bank.
Although we have no money. But we can use the money that we have to invest, such as trading stocks, buy gold and buy land to speculators at appropriate times. Some may be at risk for luck.