Donation caps help the establishment, not the other way around.
Independents have no party funds to draw from, so they have to raise all their own money. People running and Republicans and Democrats can draw funds from their parties. Ergo, independents would be more reliant on large donations from few donators. Similarly, the parties themselves won't open the purse strings unless the candidate follows the typical party platform - look at how the GOP shafted Cuccinelli in the Va. guber race, had his policies been more like Romney's or Christie's, he would have had full support from the GOP.
Incumbents also tend to benefit from donation caps versus challengers, as most donators will just chip in a few bucks, and so they can get a huge number of donations through name recognition alone.
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