Yes, I agree with what you said. And to add a little OP, capital can be obtained for free if we have good management skills and know how to grow our money. If we have a good portfolio then we can open an investment business and people will give us capital so that the money can be turned into a business, and they will get dividends from that business
No you cannot get capital for free, you have to work for it. With the line good management skills simply state that we need to properly address certain situation and work things out in order to get profit. Aside from that opening ang investment business needs capital, there is no such thing a business without initial capital. With that since there is a need for something in exchange for another thing, it is not free.
@OP those are good list especially the education part, most of people thinks that education can be achieved by attending schools. Little that many knows that education is scattered everywhere and most of them are free but sadly this kind of education cannot be considered formal and certainly won't give us jobs that requires a degree certificates.