You still don't get it. You must have failed year 7 economics.
"how would "the working class" survive?"
The working class would survive very well by simply working out what was needed and producing it on an integrated global scale. Produce based on need, not the profit interests of a handful of billionaires. How would the capitalist class survive without the working class ?. Well they wouldn't. Full stop.
"borrowed funds to establish a business"
Where did the banks get the "funds" from ? All wealth is created by the labor of the working, so the funds came from the working class originally. But that's old hat, now they just print money in the $trillions and lend out fictitious capital for speculative purposes. But it has to be given "value" at some point , "value" which, again, comes from the working class.
Capitalism is job destruction. Every billionaire capitalist is constantly striving to drive up profits by sacking as many workers as possible and replacing them with machines/robots/computers. But over time that reduces the overall pool of labor from which value can be extracted. Therefore the rate of profit declines over time. So then the billionaires just speculate or if they could be bothered to produce anything at all they have to borrow more fictitious capital and buy more advanced robotics, to sack more workers in a vain attempt to drive up profitability once again. .
You really haven't got the faintest idea how these things work.
