I see your point. Starting a coffee by raising capital and giving some shares seems logic. The capital provider gets a share of the business. It understands your business and how good it is, so he is considering the risks of starting a coffee with you. Maybe this will derive in specialized capital providers that are experts as risk managers. They may not use others money (savers) but their own, and are constantly joining new ventures. Interesting thanks!
If this world endured for some time, eventually people with a great eye for spotting great business ideas across all the options would eventually find a way to match entrepreneurs and capitalists that are looking for investment opportunities and sort of act like a bank (and take a cut for their service). They key difference is that the money is not created out of thin air, and that failed business would die, instead of getting perpetuated indefinitely through more cheap credit.
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