I agree with almost everything you say, and the cost of having a family, getting care, or getting protection against a catastrophic event is an evil limitation on human freedom.
One quibble: wealth is not distributed, it is created.
Either via fiat printing games or creating/doing something that people find value in and give $ to you voluntarily.
Poor distribution implies a big pool of money exists and we just need a better distributor, which is what every politician promises…after they take your money via taxation to create the big pool. See how that works?
It’s like your neighbor getting applauded after he broke into your house and gave away all the food in your fridge.
Poor distribution isn’t the problem, theft is!
The good news is that in the U.S. when you create value by owning a business, the options for avoiding the taking increase dramatically.