Accumulation of capital is not the same as absence of credit and debt. There's nothing contradictory there. Just look around: we have plenty of both in our capitalistic societies today. @gasull didn't claim that.
Also, it _is_ possible that all nations produce more than they consume. Surplus used to go to silos. Or pantries. States, corporations and individuals can have surplus. We know how to store goods and energy for the future. Perhaps you are mistaking economic surplus with trade balance (which indeed can't be all black or all red, because it's zero-sum).
What is your definition of "making it"? #Capitalism is not about, nor does it promise, that everybody would be a billionaire or at the apex (very easy to see: "everybody being at the apex of a hierarchy" is a contradiction).
If "making it" means being materially comfortable, physically safe, healthy and happy, then yes: "not everyone making it" is a feature
…of reality, of human nature, and of the law of large numbers. Can't get rid of that.
