Most "capital" used to be workers who risked everything they've worked for because they thought they could do a better job than their boss. People mortgage their homes to get their businesses through hard times.

It's easy to frame the owners of capital as the bad guy when you act like they are the Monopoly man but most businesses are small businesses and sole proprietorships.

Most businesses aren't a problem because they are many and small.

Contrary wise, most Capital is a problem for many because most of the capital (literal trillions) is tied up in the hands of a very few individuals and boards who are exerting an undue influence on hundreds of millions.