The difference is that in the current system governments can create money to themselves and rob everyone. The problem is not so much the distribution as the unfair nature of the system. If we want to be fair and give back to charity, in the end this doesn't help, all money get syphoned away by money creation.
In a fair system, maybe someone is happy working as rarely as possible and just want to live semi naked and live off of fruits and have pretty much nothing else then they could do it but in the current situation the government end up robbing everyone one and it leave everyone in a precarious situation where people aren't even able to live semi naked because the whole world is a war zone hostile to freedom.
The people that would decide to live with not much won't take humanity to space and discover life extension technologies etc but people living with the bare minimum shouldn't make other lifestyle impossible.
If the government can't rob us we will live in a very different world.
You might want to take a look at my sub-chapter Hyperbicoinization to see what I think is going to happen. I might wrote some more on this subject.