It's late and I've had a few bourbons....but I feel like your last sentence completely contradicts your whole thesis.

The worker owning the means of production. (but, without the state being involved.)

Isn't that free market capitalism? (imo, regardless of the state)

Essentially, a small business owner, such as myself, using my capital, to open a bar, hire people, employ people, all voluntarily, mind you....consensual agreements to the terms to work for an agreed upon price....

Has nothing to do with banksters, AI, etc.

Granted, I am beholden to the "regulations and laws" of my jurisdiction....the ones that I wish to adhere to.....but the premise is.....I built it, I hired you, and we work together.

The addition of a leach, such as govt, imo, does not denote an anti-capitalist structure.

Today we have an all out, drag out fight between "capitalism" and "communism", neither of which exists.

I would argue both exist. To which extent, would be subjective.

However, if a man on the street sells a muffin to a man wanting a muffin, for an agreed upon price, then that transaction is mutually consensual....aka, capitalist in nature...it matters not the nature of the government to which these men are beholden.

It is simply an agreed upon deal, between two consenting parties.