Building stuff requires money.

I've heard a similar perspective from Standard Bank CEO Sim Tshabala. Timeless gents.

Absolutely

Is it me or calling it 'Capital' just sounds more powerful, respectful & different . . . it almost sounds like money is what you use to buy groceries & some clothes & capital is only for business.

Not quite. @craigzLiszt is referring to building tech products, software in particular. As a general rule, all breakout software products are built in a garage somewhere. Only later, when the need to scale becomes overwhelmingly apparent, do the founders need to fundraise.