Right, 330,000,000 people in aggregate control that capital through countless layers of abstraction explicitly designed to prevent the vast majority of it from being allocated quickly. And this is in general a good thing because it’s an important mitigation against autocracy and catastrophic negligence.
The differences in the dynamics of these pools of capital are so enormous and so obvious I have to doubt that even you give your argument any credence.
Whether some is considered to be something (aka: "is") is typically just subconsciously checking off a few boxes, typically according to bias, which is affected by propaganda...and "democracy" has received a lot of marketing, and extra "guerrilla" marketing (Jan 6 coverage, etc) in the last few years.
The US Federal government spends Elon Musk's net worth every month or so.