I am self employed.
Now then, on to the crux of your beliefs..
You fail to recognize that monopoly is a fundamental flaw of free market capitalism. Once a company is so big it is integrated into all facets of life, it becomes impractical if not impossible to choose alternatives. Additionally the barrier to entry is skewed, because the monopoly can manipulate the market so easily. And as with the case of major banks, they can commit egregious crimes and go unpunished because they can simply buy the judges and lawmakers.
A second lesser problem with the free market is that it takes time for the market to self correct, and statistically speaking, that's thousands of years before a relevant sample happens... That is, we live ONLY in the short term, where variance is king. Thus, sacrificing some long term expectation for variance reduction is the most stable way to proceed.
And I'm not pissing and moaning, I'm directly trying to explain to you the error in your thinking in the hopes that you or others who read this will be persuaded and change their worldview, and thus make the world better off.
You believe that everybody has a chance to compete, and it's their own fault if they don't take it, or even if they don't see it. That is simply not true. There are people who are legitimately unable to even have a chance to compete, on any level. The world is not an Ayn Rand novel.
http://mises.org/journals/rae/pdf/RAE9_2_3.pdf