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
Don't forget that anything free don't allow people to be more focus on their investment, because they don't know the value of that capital be given to them to start a business and, for anyone to get a free capital from anybody it will be difficult unless the person is related to you by birth. For people to give you money to start a particular business, don't forget that you must pay back the capital and some interest but it depends the years you are going to hold that capital for your investment. The easiest way to enjoy your capital for your investment is to work for it to achieve the capital before thinking the type of coins you are going to invest, and it will make you comfortable through out the years you are going to hold that capital.
Here we can of course generate capital for free and after that it depends on our financial management. if we have good management then we have capital for now, and especially if we have been in this forum since 2017, of course there will be a lot of capital obtained so how do we manage it to develop that capital when we go through the bullish season in 2021, If we can take advantage of it, we will certainly be successful again during the next bullish season