The entire reason that SpaceX exists, along with Tesla Motors, is that Elon Musk worked hard to figure out new ways for people to send money over the internet. He made lots of money himself, and now he creates electric cars and builds spaceships. I wouldn't worry too much.
Edit: confused eBay and Paypal. Musk founded Paypal.
The reason that so many intelligent and driven entrepreneurs are innovating on "less difficult" technologies is precisely because this low-hanging fruit offers a very high impact leverage right now. More people take the plunge because it costs less to start a company. Consequently, more people are working on more niche problems. This is a good thing.
I'd be more concerned with improving the technical abilities of the people entering the entrepreneurial pipeline than about where they are applying themselves. Getting more technical immigrants into the USA would be a decent first step.
Edit: confused eBay and Paypal. Musk founded Paypal.