Commerce typically involves larger constructs. Typically banks and other financial institutions where the risk components, rent seeking and usury show up.

Ownership on a owner operator level limits the ability of excessive capital formations, so you don't typically see the excessive volumes of wealth and market capture that develop in social constructs of corporations.

I want capital increases/formations to be easy for everyone from a starting opportunity. This allows everyone equal opportunity to achieve wealth(wealth as defined subjectively), now how they use that opportunity requires effort, as life requires effort. If there is little effort there will be little results. Even in permaculture setups, there is effort.

I would like to see a analysis of capitalism where the chance processes and social constructs were removed to see what problematic key points remain.