This is a niche topic and I’m not sure this is the right community. Let’s say we start to move on to a society less focused on capital. Not perfect but on the way there. There are still companies and there is an overall economy running around small businesses. How would a small business get started without access to “capital”? What are the alternatives?
Crowdsourcing is basically the direct democracy version of what I described. I show off my business plan and everyone gets a vote on if it goes through. In this case they’d need to vote with their collective share of local resources though. You can’t allocate more rice than exists locally, no matter how many burrito stands you want in town.
I think you’d want to avoid any system that relies on how many resources a person personally has accumulated. That’s the libertarian nightmare state where rich horder-preppers rule the world with their stash of toilet paper.
“Everyone” might be a bit hard to organize, but you rarely start in a vacuum. For example there could be an agricultural cooperative that you are already a member of, or someone you know is. That cooperative might be willing to sponsor your burrito stand if that is beneficial to their members, either because you buy maize from them and/or because they would like to have a tasty food shop near their shared warehouse or so.
I think I see your point. Getting investment from the parties directly affected makes sense and would also create a sustainable business model as it proves the need for it. It could also create some synergy if the created business is also a co-op itself that may in turn eventually do the same for something else. Basically investment without rent seeking.
True, completely agree with your final part. I think I see your point. But your set still needs a post money society. What about a middle ground? Would for example funding also come from the community?