While there’s a lot I agree with there, it seems like there’s some assumptions made that are doing a lot of the heavy lifting. I guess it’s more of a difference in philosophy, but it seems like a core part of your statement is “people given the opportunity to cooperate without risk to themselves would provide enough for everyone, and whatever they don’t end up providing is unnecessary.”
It’s fair to say that there are a lot of things we don’t need, but it seems a bit flippant to say those things are completely useless. I’m all for strong safety nets that allow people to give to others without having to sacrifice their own wellbeing, but it seems like you’re talking about a quality of life decrease for a large number of people in order to achieve that.