This argument always makes me laugh. On what land? Most of us live in cities. "So don't live in a city!" OK great, how do I afford property? "Work a different job to save". OK but now I have the money I need. We live in a specialized society. Not everyone needs or wants to be a farmer, and that is a good thing.

How businesses would innovate without accumulating capital?

Strawman. Nobody is saying money is bad. We are saying regulated markets are more egalitarian and more representative of societal value than free ones. Implicit in every neo-liberalist argument is this assumption that money is the only market for societal value. But that is not an established fact. How much monetary value does your grandmother make for you? Your kids? I thought so.