Because average working people need the capital to invest in the first place, and dozens of trillions of dollars are being hoarded by a few thousand people on Earth. The richest 85 people on this planet have as much money as the poorest half of the world population. That's why everyone can't go into business for themselves- because they don't have any money.
Apple is the largest company in the U.S. right now. It was built out of Steve Jobs garage (literally).
Amazon is one of the most successful companies in the world right now. It was built out of Jeff Bezo's garage (literally).
Dell became the #1 computer seller at one point. It was built out of Michael Dell's dorm room (literally).
HP is currently the #1 computer seller. It was built out of Dave Packard's garage (literally).
Facebook is one of the wealthiest corporations in the world. It was built out of the dorm room of Mark Zuckerberg (literally).
Disney is the most iconic U.S. company ever. It was built out of Walt Disney's garage (literally).
Google is one of the wealthiest companies in the world right now. It was built out of Susan Wojcickis garage (literally).
Woud you like to try again junior? Maybe this time grow up and have a mature discussion? Maybe stop throwing yourself such a pity-party and falsely claiming that only people with billions in capital build successful businesses? The greatest corporations in US history (including Harley) were ALL built out of garages with no money: Microsoft, Google, Apple, Disney, Amazon, Harley, and on and on and on...
10 World Famous Companies that Started in Garages