My point is that socially beneficial capital intensive projects require, well, a large lump of capital. This can be organised by the state (command economy), or through allowing private accumulation of capital - but here I do include corporations, and indeed financing through loans. It would be quite possible for individuals to have much the same wealth (perhaps modulo time to retirement?), and to be pooling it as share owners of said corporations. This would still be a capitalist system - but a fairer one maybe!