The concept of value for money works easily in case of businesses that have a tangible benefit. So, in case of a car maker, the value is in the form of the car that a buyer buys. If you try and replicate the same logic to financial services, two things stand out: first, the benefit is not tangible, and second, the benefit will actually come in at a later day. Due to this anomaly, most people stay away from putting their money into financial instruments that seem complex for their imagination. I guess that is why bank savings, fixed deposits and recurring deposits score over every other financial instrument.