2RM I am not here to be nice. Just to save the world.
Sounds like you have a mental illness. Moving on...
2RM But obviously not to a sufficient extent, or we would not have 2 billion absolutely poor, of whom 36 million a year die of preventable starvation, and countless others from other poverty related aspects of want. So, I have specified what an equitable distribution of wealth would be, in the OP, for everybody's ease of reference.
You must have comprehension difficulties if you think your answer was related to the question, so let me repeat something for you, and I will try to simplify it to match your thinking ability.
If you wish for something which is already voluntary to be (more??) voluntary, or if you want people who can already choose to do something, to choose, if you want people to decide for themselves when they are already deciding for themselves, in this case I have the unfortunate task of telling you that your plan to "save the world" may just be the simplistic reasoning of a deluded mind due to an obvious (to most) flaw in your ground breaking master plan.
Just because you don't like the informed and calculated decisions some people take regarding their own personal financial affairs, it does not mean your simplistic opinion is better. Maybe, perish the thought, it's much, much worse and the consequences of your fantasy dreaming would be quite the opposite of what you wish for.
Youdon't get to keep asking people to choose to do something voluntarily until they do it your way. They've chosen. Your grand scheme is nonsense. Deal with it.
Take care, Splash