Undoubtedly a lot of ordinary people do not think/know how to grow  up their FD with low sums of money by adding on money from monthly interests and savings.  They rather gamble or stick to their old ways than understand how to use dispersed small sums to grow faster. Normal to find this people have funny idea that need lots of money instead of a system/plans to beat the situations at various times. They need to think a bit beyond the common ideas on how to increase their returns. Most FD depositors simply throw away the time element instead of making good use of it.
A basic problem may be due to the silly idea of passive income or lock-up steady savings, instead of actively scheduling to maximise for more profits. Like got too much money/income, don't know what to do to make more from the money. Got money to make more than normal money, but don't know or don't want or don't care.

i think he wanted to to say property.

"Like got too much money/income, don't know what to do to make more from the money. " maybe he refer to property that appreciation is faster.
too much money maybe let say got Rm 2mil, put in property, appreciation 6-8% / or even more , rather than 3% in FD.

I think so la. dont blast me. my knowledge is shallow than baby pool  

sikit sikit jadi bukit. thats the formula for FD! no need no guru to teach...

I only take pupils who are open minded, questioning, qualified and willing to discuss rationally about the real meaning of each sentence/passage, not those who seize on one sentence and fit in their own pet idea with total disregard to the overall context, nor those with fixed ideas and unwilling to accept it is about something else not related to their past perception/experience/reading/study.

I have no wish to take on thankless job like Team of Eminent Persons - macam kasi bunga kepada kera.

Lots of people already very rich and comfortably satisfied, not interested in cracking their head even if much better.

But you can try to become self aware and questioning. Just write down statements about FD operations and strategies that you believe describes what you believe. Then  ask yourself heretical questions if they are true, a bit off, a lot off or rubbish if certain things are not like that.