Okay, I see what you mean. So you're talking about maybe the "true" form of communism which is peer to peer rather than through a governing body. If that is the case, the conversation turns to individual moral principles. And communism in your view is an adoption of individual principles that people should choose to adopt, not necessarily be forced to adopt. That I can respect. Although, in practice as organized, under the "guise" of communism it has been done by force, and with extreme failure. Even by forcing the public to be "charitable" the system fails. From a peer to peer method, I would assume it to fail as well because from a societal standpoint, people are not universally charitable.

Theoretically I would say what you want is charity, I would argue that under "free market capitalism" there is a greater degree of charity than under any other system. US is probably the most charitable country globally (as far as peer to peer transactions go), it may fall into the category more cleanly than the system you are trying to adopt. You might consider capitalism as a more realized utopia.