Keyword surplus. If a surgeon would bring in $1000 a day alone and an assistant brings this to $1200, if the assistant gets $200 then theres no skimming, a win-win. Like i said, in reality there ARE people skimming the surplus, but there are laborers that produce significant value on their own.
Yeah my main point being that the 1 million mark is a bit low for automatically declaring someone a capitalist taking advantage of others. Youre right that the majority do definitely have to at least invest to get there, though.