Why are you acting like a vast majority of the population are capitalists? You're describing the actions of less than 1% of the worlds population, acting like it's the norm of human history and not the extreme aberration that it is. Not too mention we're living in the corporatist neoliberal dream that is a massive hellscape for workers where income inequality is at the highest levels, worse than the gilded age, where your single life is determined by factors the majority of workers can never control since the system is designed to benefit capitalists at the expense of everyone else.

Why are you assuming capital formation is even beneficial for people? Poor workers in Arkansas do not benefit when Ford sells their crappy wares around the world. Children in Utah aren't getting a better education when Zuckerberg sells more ads.