> A bakery/bodega owner is a "capital owner"

In communist terms, these are part of the petit burgeois. They are technically capital owners but are as vulnerable as workers. Crucially, they don't own any relevant means of production.

> A top NBA player is a worker

Yes, and if he fails to turn his income into capital, thus becoming a capital owner, he'll be as vulnerable as all other workers or more since his working age is much more limited.