Yes, but I was saying earlier that I didn't prefer the use of the word "capital", because it is abstract - a thing (money), not an actor. And I mentioned human

Yes, but I was saying earlier that I didn't prefer the use of the word "capital", because it is abstract - a thing (money), not an actor. And I mentioned human nature i.e. people, who are real actors. Your use of the word "newcomers" (who are people, not money) says the same. Maybe just a matter of wording or interpretation.