If money has to flow in the economy through limited hubs then hubs automatically grow rich. It should be a fundamental right in the capitalist country, right t

If money has to flow in the economy through limited hubs then hubs automatically grow rich. It should be a fundamental right in the capitalist country, right to process payment for any party. Today, we need special license/approval for this which limits the "access to disrupt" to few lucky people who have a connection in the big banks. Startups like stripe have to give away a chunk of their equity to old guards at big banks in return of access to a market. Is this the best a capitalist country may offer?