So you admit that you don't have an accurate definition. That's a shame.
This is the exact same stupid argument that conservatives use when the answer to "what is a woman" is "it's complicated". Some things don't have neat, concise, 1 sentence definitions
The rest of your post is not really a response to anything I wrote. I have read plenty of history books. And you saying capitalists don't take investment risk is just baffling tbh
So what about people who have some investments but also still have to work? Or whose standard of living would seriously decline if they did not work?