> Mere ownership (as in a legal title) does not and cannot yield an income. To have a yield, something must be put to use.

Money is used by loaning it out, which requires no effort and most importantly: the amount of money you can loan out (and make a profit from) is not limited by the number of hours in the day, and therefore owners can always out-compete laborers.

> The distinction between capitalism and earlier forms of production is that money provides a means to index the yield of assets by capitalizing the value of those assets.

Now you're getting it!