What you really need to live, and the luxury you want can be very different. I've lived in a one bathroom house, I'm willing to pay for more. I can eat "beans and rice", but I want more (not just meat, there are vegetables that are more expensive). Most people are not willing to live without a lot of luxury and honestly would choose both parents working a full time job to get more luxury.

This (socalled "luxury space communism") is impossible insofar as a good lifestyle includes positional goods and social status. Demand is infinite, even your own demand, and you have to be able to outrun it.

The best technology I know for this is Ozempic. If there was a way to ban yourself from getting loans that would also help, but you wouldn't like it.