I don't think access to financial capital is the real bottleneck in developed economies. I think it is the lack of competent software developers and other professionals capable of producing what the market demands. The developed world has aging populations and shrinking labor forces. Many people have lack the training and perhaps even aptitude for the kind of work there is the most demand for.

Financial capital is easy to create at the push of a button. The real challenge is finding tech professionals at an affordable cost. That obstacle may or may not be overcome in a few decades with better AI but at the moment there seems to be a huge shortage of senior developers. These people are very difficult to find in the desired quantities because perhaps only 2-5% the population are cognitively gifted enough for it and only a fraction of that population has any interest in the field.

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