I think i understand your point. I think you are conflating the definition of “capitalism” and “specialization”. I could go to the agrarian lifestyle right now and use a stick instead of a shovel to dig and give up other conveniences of specialization. Because an accountant specialized, they are gambling that the cost of specialization is better (income growth) than general skill, but for the duration that the specialization is better, they get better pay than an unskilled worker and have the money to buy imported tools (like shovels) or houses with indoor plumbing.
Counterpoint after exploring your full argument: Capitalism is an incentive system to take advantage of Human’s desire to do less effort for more return. People start inventing in all sorts of ways when in a capitalist society such that specialization happens. People wait in bread lines and do society level “malicious compliance” when other systems like socialism or communism are in place. (except anarchy, but i have never seen an example of that working at scale of 1M people or more)