▁criticism ▁has ▁to ▁do ▁with ▁what ▁Marx ists ▁call ▁" fin an cial ization ". ▁In ▁developed ▁capital ist ▁econom ies , ▁the ▁majority ▁of ▁workers ▁and ▁capital ▁assets ▁no ▁longer ▁directly ▁particip ate ▁in ▁the ▁production ▁of ▁new ▁comm od ities ▁by ▁private ▁enter prise . ▁Many ▁workers ▁work ▁in ▁service ▁indust ries ▁which ▁manage , ▁maintain ▁or ▁dist ribute ▁already ▁existing ▁resources . ▁That ▁is ▁the ▁result ▁of ▁two ▁centuries ▁of ▁industrial ization ▁and ▁mechan ization ▁in ▁developed ▁capital ist ▁countries ▁( plus ▁out s our cing ▁to ▁newly ▁industrial izing ▁econom ies ). ▁The ▁bulk ▁of ▁capital ▁assets ▁in ▁developed ▁capital ist ▁countries ▁are ▁not ▁physical ▁means ▁of ▁production ▁used ▁by ▁private ▁enter prise ▁to ▁create ▁new ▁comm od ities ; ▁they ▁are ▁financial ▁assets , ▁real ▁estate ▁and ▁other ▁types ▁of ▁property ▁not ▁used ▁for ▁production . ▁This ▁means ▁that ▁human ▁labour ▁is ▁no ▁longer ▁regarded ▁as ▁the ▁main spring ▁of ▁wealth - cre ation , ▁and ▁it ▁ra ises ▁the ▁question ▁of ▁how ▁the ▁law ▁of ▁value ▁could , ▁in ▁that ▁case , ▁be ▁a ▁regul ative ▁force ▁in ▁the ▁allocation ▁of ▁resources , ▁or ▁how ▁it ▁could ▁determine ▁prices . ▁According ▁to ▁Professor ▁H ille l ▁T ick t in : ▁ ▁This ▁issue ▁has ▁not ▁yet ▁been ▁resolved , ▁because ▁there ▁is ▁little ▁scientific ▁agreement ▁about ▁how ▁the ▁" real ▁economy " ▁( produ cing ▁goods ▁and ▁services ) ▁and ▁the ▁" fin an cial ▁economy " ▁( tr ading ▁property ▁and ▁assets ) ▁are ▁related