Finance is bad, but it's kind of a least-worst situation. What's the alternative that doesn't rely on philosopher-kings or omniscient omnibenevolent central planners?
Distributed sharing economies, like that of most tribal organizations.
The use of the word "capital" here indicates a misunderstanding of the social dynamics of tribal economies.
They produce and consume that which they need together because of shared benefit.
Large scale centralized constructions like the Golden Gate Bridge, the Hoover Dam, or power grids are built to serve the stationary needs of the big city not the small, distributed, mobile tribe.
Indeed, every technological advancement has piggy backed on those before it.
Plenty of such tribes exist and have existed without centralized industrial infrastructure.
Look at any hunter gatherer tribe.
The key word here is "distributed". Distributed tribes are light weight and mobile by design. So they are rarely ever grouped into concentrations of 100,000+ members except for the occasional festival-like gatherings.