I've had several decades of hearing capitalist propaganda and so have you because you repeat it so very well.
You're talking about the early stages when its person to person. As the hierarchy develops the gap when the original descendants ascend themselves to a higher class. You end up with mortgage-holders, financiers, worthless heirs and landlords.
How do you account for the fact that the richest 100 people have as much wealth and power as the bottom 2.5 billion?
These hierarchies and class systems are what the left is against. I am libertarian-left; I am not a communist because don't think the ends justify the means. You can't get liberty through tyranny.
Again, its okay to believe whatever you want. You might even be right. However, whatever you believe is not Anarchism and it isn't Agorism. We can have vigorous discussion all day but it's disingenuous when you try to nullify an entire ideology by changing the name and claiming it as your own.