There is a continuum. As iron became cheaper (even before the industrial revolution) peasants started trading for iron tools. It started with "the big man" owni

There is a continuum. As iron became cheaper (even before the industrial revolution) peasants started trading for iron tools. It started with "the big man" owning a plow that everybody borrowed, but eventually the richer in the village would save up to buy their own (most families operated on a cycle of rich and poor depending on how grown up the kids where - just before they left home to seek their fortunes the farm was rich, just after the one heir had to support the aging parents, and the babies making them poor). Weather was the other factor, you could only save up if the crops did well. A large part of this was legal ability. If only the "big man" could own a plow there was no point in trying to save up for one. This ability to have your own increased the farms productivity, in turn allowing the family to buy more (but often they would split the farm so two kids could inherit) While you could grind your own grain, often "the big man" wouldn't allow it.