It's called politics. The precursor of Marx's Das Kapital is called "A Contribution to the Critique of Political Economy," where economic relations are enforced politically.
The fact that private bankers have such a stranglehold on our economy shows the strength of their political power. This comes through the process of historical events that have taken place over the
They get to keep all the money they saved and apply for another job once they feel the business will fail while the business owner might drown in loans and lose his life style. There's no comparison between the risks.
We Marxists define who is a porky vs who is a worker by whether or not the state protects a particular individual's PRIVATE access to a specific means of production, wherein said MOP are capable of producing commodities for market exchange or personal consumption, and whether those commodities are produced by your work or someone else does it for you.
It used to be that peasants, right as capitalists production was starting to be widespread, would in lieu of working for a capitalist's factory, rather work public land held in common by the Crown, and to the consternation of the factory owners, have their own access to their own means of production for goods for their survival. Whether or not they engaged in market exchange was immaterial; the Crown guaranteed the peasants access to land to ensure their own survival, and it was pretty comfy.
This wasn't good for owners of factories, since they could not discipline their workers to follow their schedule, but that is irrelevant. The serf/worker could care less since the factory could go fuck itself, he has food and a roof over his head and clothes on his back and the tools to take care of it. This happens less today since most people have been alienated through political machinations of the capitalists.
Unlike most leftists, I don't blame them for doing so; they are only furthering their own self interest. I know that furthering my self-interest would be the overthrow of this system, wherein I could have my own unfettered access to means of production, but the capitalists want to stop me from doing so: I don't want to participate in corruption and the phony inter-personal political bullshit they call market exchange.
In fact I know exactly how to do this and replace the economy with FALC. It isn't hard
The market decides
Like I said, markets are mass political arrangements. If I can force you to buy artichokes at double the price by whatever means, that is a market exchange regardless of its circumstances. Any sort of non-aggression principle is de-facto unenforcable.
Every five years, Groucho.
Nice Freudian slip there