but it shouldn't be just that he has the money, but that he can afford it but is losing money in what he is already doing
no-one is going to change from a prosperous occupation to an unknown one just because they can afford to, they must also have more risk in what they already do compared to starting anew
As was already said numerous times. Good artisan makes more money and employs more people and machines until he owns factory and can be proclaimed capitalist. That is something this game can't do precisely for more reasons. First of all artisan production is sort of abstracted and you first need to be capitalist and then you found factory. But that is all just so the game will make sense. More realistic solution would require different economic system.
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