You don't need a ton of money to open an RP business. You can rent already owned islands for parties rather than buying an entire island. The types of people who own islands aren't people that just work at a mechanic shop or work bus jobs. If you want to make a lot of money, there's very simple ways of doing so, you just need to seek out people who have done it to tell you how. Sometimes it's luck, but most of the time it's because the person knows what they're doing. If everyone got paid more, assets would cost more and nothing would be different other than the amount of 0s following the numbers.