Me, I'm a wage slave, but I do have a friend who put up his savings, borrowed money from a bank and built and opened a car wash. He hired a dozen or so young men and women who staff it, while he is an owner/manager.

He has been successful -- he judged the demand for a car wash correctly. Probably not a %1'er, but as a local small business owner is able to live a comfortable middle class life.

Certainly without customers and without the bank he could not have succeeded, but I think it's ludicrous to say the 'economy' created the jobs. There are some agents within the economy who 1) recognize opportunities for profitable activity and 2) direct resources these opportunities. I think it's reasonable to describe these people as job creators.