I dare say that Americans not being able to afford housing has very little to do with Walmart or Amazon, since it was neither that decided to turn housing into

I dare say that Americans not being able to afford housing has very little to do with Walmart or Amazon, since it was neither that decided to turn housing into a very safe and investable financial asset, but rather the government. The definition of capital owner being someone who doesn't need a paycheck to survive is weird. Your average startup founder needs a paycheck and he is clearly not a simple worker. As soon as you own shares in a company(or a bond) you are a capital owner. The question is then how much that capital is worth and what you can do to make this capital worth more.