A word I didn't see here, which needs to be here, is centralization. Another word that belongs here and isn't here is merit. I became so outraged at the assumption that merely existing entitled people to other people's stuff that I couldn't keep reading, so maybe they show up in the parts I skipped. I am having difficulty expressing my disappointment tactfully, my friend. I have many times lived without a home, and I have never once thought someone should give me a home just because I didn't have one. I am not sure, from your post above, that you can even conceive of the degree of cringe that very concept engenders in me, so I thought to mention it.

Rabbits dig their own burrows, you know. Birds collect sticks and grass with which they assemble nests. If you think there is any benefit to birds in building nests for them that don't build their own, I assure you that evolutionary forces will far outweigh it with harms. It is no kindness to keep everyone in padded rooms with IV fluids and feeding tubes, catheters and ostomies, and stereo headsets playing pron 24/7 with electrostimulation. Without challenges life literally becomes an horrific hellscape of inconceivable cruelty. You are not wrong to point to pathological greed as a debilitating problem, but you grossly err to imply there is anything wrong with hard working people wisely investing, and that the indolent should be given what the industrious have earned.