I’m with you on most of that. But I think the problem is more fundamental: the money devalues at a rate of 2-5% a year.
Think about it. Why wouldn’t the wealthy just hoard money? Because you can’t just hoard money. It devalues. You have to monetize other assets. So they buy real estate, with money they made from you when prices go up but your wages haven’t gone up yet. They benefit from the cantillion effect and in the process siphon wealth from the bottom. and as they accumulate non-money assets, that effect compounds because the prices go up some more. The wealth gap, all of this, it stems directly from our inflationary monetary system. Their trick is that they get to fuck with the money.
While I’d say altruism is not a virtue the way it is defined in our culture, I will say that who we are is about 50% nature and 50% nurture, and inside we are very different beings for one reason or other. A born sociopath is only human the same as you in visible form, the being is nothing like you. A person who was badly abused and tattoos his face and perpetuates abuse on those around him is completely different from you both. A monk in a monestsry and an Instagram influencer are completely different beings inside, besides some basic neurology that makes them both human. If you could see the being inside every human they’d look as different as Pokémon. That’s my philosophical insight.