In so far as you describe basic principles of ownership. However, the consolidation of capital, unequal access to credit and the unequal access to political means of force result in a very simple perversion of human nature. It is through capitalism that people deserving of more end up getting their assets taken by a select, advantaged and obviously undeserving few, whose sole merit was to inherit the reigns of capital.
Once you start learning more about how industrialization, globalization and modern finance affects the simple principles of capitalism, perhaps you might be better positioned to see the unnatural contradictions of capitalism. How can a bank which lends money it does not have or speculators selling commodities that do not yet exist nor do they own the rights to be seen as anything but the undeserving profiting on the exploits of the deserving?
Is it right that a porky who's never lifted a finger in labour can can make more money in a single day's trading of copper or oil futures than a miner or oil rig worker could make in their entire lifetime? Of course not. In unregulated capitalism, systems where workers are self-employed degenerate into systems where workers work for the dominant manipulators of capital, where workers keeping their money is irrelevant in the face of men who can render their savings worthless.
