The third way of making money during one's lifetime: stealing, aka financial engineering

Stealing money is much more reliable than earning it. You can steal wealth slowly, the old-fashioned way, buried within the operations of trading for the house account. Or you can steal it quickly, by using obscure and poorly understood financial artifacts to produce the illusion of wealth creation. Then you take a piece of the illusionary wealth, as personal cash, now. Then you exit and duck for cover before the entire game blows up.

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This is the different between the finance and tech bubbles. Both were nuts, but Silicon Valley will always be legit in terms of real value creation. I think we're cured on finance for another few decades though.