This is one of the most difficult things to put into words, because ... just look at capitalism, it actually means getting money (capital) together to make a manufacturing plant. But, what does it mean today? Killing babies for profit and/or free markets.
All the words we would use to discuss what you have stated here have all been corrupted beyond all recognition.
There are lots of things that a free market rewards / helps / promotes, but there is also a list of things that a free market destroys/ keeps down / nullifies. A real solution will not be free market or controlled market, it will be something, really weird, like opt-in cooperation.
The actual solution to the ruling class owning the means of production is for everyone to have a small factory in their garages. Millions of competitors / millions of customer choices.
Anarchy is only desired by loners who have the ability to make things on their own.
Most of the little people would rather have a job where they don't have to do all that thinking.
To be a part of a machine, a group.
I hope to be seeing some of these real solutions becoming manifest.