Middle class people do not pay for their tools. In fact, they shouldn’t need tools beyond the basic tools of literacy (books, pen and paper 100 years ago, a computer today). Poor people use specialized tools. Rich people buy them. Middle class people merely supervise the use of the rich people’s tools (capital) by the poor (labor). Even today, if you use specialized tools to work, your membership in the middle class is suspect.
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http://www.ribbonfarm.com/2011/12/08/acting-dead-trading-up-and-leaving-the-middle-class/
But this ignores the artisanal model of specialists who provide their own tools and render a professional service. Stonemasons, for example, or technology consultants…