I think the other side of that argument is why the capital gets locked up in the first place? I can't imagine someone like Steve Jobs or Warren Buffett actually wanting to keep people from resources or excess wealth if they had no use for it. Especially if it was just idling there doing nothing for anyone (themselves included). It just seems like that our situation is one born out of the interplay between institutions that have long since lost significance like a vestigial organ that only exists because the evolutionary cost to 'remove' it is greater than it is to keep it. But in this case, I think we can overcome these institutions it's just a matter of how.