In what way is it meaningfully different from a centralized state? The US government started fairly innocent, then some capitalists made money and changed that, slowly making their grasp wider. What makes you think a capitalist can't do that on their own?

Why would you refuse, especially if you were being economically raped? If I, the capitalist, owns the roads, and refuse to let you use them unless you sell me your home so I can rent it back to you, how exactly are you going to refuse if I already bought your neighbors or the surrounding area and you're fenced in from building other roads as a result?