All money is debt which is to be repaid with interest. Therefore, in order to do business you must experience growth else you can't pay the interest on your debt. New technology and research and development depends on promises of greater fortunes in the future therefore you invest a significant amount with a certain amount of risk to get a certain return in the future. If things were constant but risk still existed, you would lose money each time you took on any risk. Therefore, progress would no longer happen.