You are justifying a system with the system itself. Why does it have to be hard to access capital? Worse that hard, why is there a very very tiny number of (und

You are justifying a system with the system itself. Why does it have to be hard to access capital? Worse that hard, why is there a very very tiny number of (undemocratic, unaccountable) people deciding who gets to access capital? Why couldn't we think of a more democratic way of allocating credit/capital/finance to people and businesses?