My point has been that the current default hurts society in the long run. A neighbors-first approach is much more moral and for sure more efficient.

A "communal pool of value" should not exist. Likewise for its distribution and the potential for fraud.

If one is in need, let him go to his neighbor. If his neighbor is unable or unwilling, let him go to another. If the second neighbor is alike to the first, let the needy go to the community and find support there. Communities ought always to endeavor to support their needy as they see fit. If a community is overburdened, let its leaders approach the neighboring communities until the needs of their members are fulfilled.

Employing the state in support of individuals is to subvert the authority and autonomy of the community and is a violation of subsidiarity.