Two villages

Imagine two villages (communities). The people lived by fishing, but they did not have much equipment, so it was a substance lifestyle.

In one village, a bold man went into the world and money by daring do. He brought a net and came back to the village. He rented it out to different people each day. He became wealthy because he had the only net and many people wanted to use it. They stayed poor, because the fishing was better, but not very profitable, due to higher costs.

In the other village, everyone saved a little, some a little bit more than others. They pooled their savings and bought a net. Different groups of people rented the each day, but they all benefited because they had a share in the net. Everyone who fished caught more fish.

Both communities now had capital. In one village, the capital was held by one person. In the other community, everyone had a share in the capital, so everyone benefited. It just took some to organise it.

The result is two different capitalisms.