There's a huge gap between regular consumer items and what you call productive capital. For example, a land with a house is productive capital, because it insu

There's a huge gap between regular consumer items and what you call productive capital. For example, a land with a house is productive capital, because it insures you against rent hikes. A reliable car is productive capital, because it lets you commute to the job and insures you against switching to jobs with a worse commute. But those things both cost so much more than you can (or should) put on a credit card, generally.