An economy remains healthy when more and more people have confidence in it and are willing to invest their money in the market. Hence, it is not always enough that only high-income groups and regular investors take part in the investment.
The government wants everyone from daily wage workers to the middle-class people to invest in the market. A majority of the population believes that for efficient investment, a substantial initial investment is required. But, mutual funds have such a low minimum amount that everyone can invest.