What about borrowing money to pay for transport to a new job? Not ‘productive capital’, but probably worth it. There are lots of cases that don’t fit into your narrow category, where credit makes sense.
In the grim thought slavery still existed, I would say food would be considered productive capital. In modern day (from the view of the company) that value is just captured in the wage so it would be inappropriate to double account it into capital expenses (a business lunch I think would count though).