[KKKKkkkk1]

The idea behind capitalism is that people who have money use it to start a company with the goal of making profits. For example, if it's a transportation company, they will use the money to buy cars or to hire drivers. Thanks to competition, they will have to make sure that they are providing a good service at a competitive price, and so if they want to get their profits, they will have to make sure that their company runs as efficiently as possible.

Those are the two ingredients of capitalism: competition and the profit motive. Once you take away one of them, things start breaking down. And that's why not-for-profits are notorious for being wastefully run and being taken advantage of by their senior management.

[tanderson92]

Non-profit consumer-owned collectives like Vanguard, you mean? How is that working out for them?

[Apocryphon]

Credit unions are co-ops.