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?
“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.