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.
The current oligarchs use banking to rule the world. It is a debt based system. Individuals can and should live debt free. There are already peer to peer lending sites like lendingclub and prosper. Who needs a bank to raise capital therefore? Don't go in debt in the first place, but do everything in your power to remove banking system from your life.
No one forces a person to take on debt. Most debts are taken when they should not have or could have been avoided too. That is the first step to building wealth. Be the lender, not the borrower. Be the saver, not the spender.
Distribution is a tricky topic. Start with not getting into debt though and building wealth (savings) instead.
Anyone can live below their means. You don't need a government or bank to survive either. Wealth is, in a sense, production. Anyone can be productive. If you are not productive, you will not be wealthy. There are smart ways to be productive (doing something the market highly values) and dumb ways to be productive (dig holes and fill them back up).