Just speaking out loud here. It occurs to me that many people are having a blind faith in capitalism. I'm not saying socialism or communism is good either. Capitalism, as the word itself elucidates, is really all about capital. Don't these blind worshippers of capitalism realize that most of them are actually born with little or no capital without rich parents? And the fact that they can only build up their own capital base very slowly by earning only pittance from labor? Adding salt to the wound, don't they realize that the situation has become even worse these days, in the sense that one needs to pay up immensely (education, housing) just to get a lousy chance towards economic participation?
Have they not realize that capitalism and democracy are two distinct entities that don't actually need to go hand-in-hand (as opposed to the government's propaganda)? Seriously, people need to unlearn propaganda to realize that we can have a democracy without neo-feudalism in the cloths of 'capitalism'.
True capitalism gives everyone a fair chance in obtaining capital without the burden of accumulating such from labor. This means that one does not need to pledge any non-business collateral in return for the unconditional borrowing of capital. Thinking this as too far fetched? Only if you believe that business failures can unleash unimaginable consequences on economic stability. The truth is, such negative effects are simply bogus. Collectively, the spending of failed businesses is also the profit of successful businesses. There is no net loss in the economy.
Problem is, true capitalism can't be implemented as long as there is central planning. How can you be rich if there aren't some poor chaps around to boost up your relative wealth?
Gaining capital is not as big of a problem as you may think. The bigger problem with our society is how one uses their capital. Big corporations are the problem we have now: they use whatever means they have to raise barriers for competitors to enter their market. However, this can easily be eliminated if regular people chose to stop handing their money over to these large corporations. For example, if everyone started shopping at a local or regional grocery store, Walmart would no longer find it profitable to have their grocery section. It's really that easy, it's just that America wants an easy lifestyle, not an easy solution.