This might come as a shock to you but there are millions of people who can find happiness in life earning basic salaries and having just enough to pay their bills and afford some basic luxuries (living within their means, not behaving like some on this forum always wanting their parents to pay for the latest games console and mobile phone yearly refresh). Yeah, some CEOs and professional poker players earn millions, but happiness in life is largely a learned skill of the mind once you have a basic level of income that can pay your bills.
An ethical benefits system can be in place to try and aid those falling under being able to afford their bills. Your utopian vision is going to be next to impossible to implement without force or a dictatorship. Are you forgetting how many people live in the world? Life is often suffering and trying to get by and handle everything we go through, from money problems to mental and physical health concerns, but happiness is a learned skill. You often have to change your perception and you will find enjoyment and happiness in the short time you get to kick around on this planet. Go looking for misery 24/7 like some seem to do and you'll find it, because it will be yourself making... yourself miserable.
Any vision requires force. You don't believe the current world order isn't ruled with an iron fist? I'm not entirely sure how we reach communism without bloodshed, I hope that through legislative reform we can inch closer and closer, but I don't see how the rich will turn over control to the people. But as an ideal, socialism is irrefutable, imo. You're not really saying anything novel here, life is hard, yeah. Life comes with misery attached, but capitalism adds extra suffering that we can eradicate.
Governments need to be held accountable and countries should aim to have publicly funded healthcare, benefits systems and councils. Its still hard going, but a form of democracy propped up by the ability for money to be generated and international trade exist is the most prosperous system we've witnessed yet. Some minds online ranting and raving non-stop about salaries and earnings of some who are millionaires at times can come across not so much as portraying compassion for the homeless or poor, but just personal jealousy.
I'm not going to deny that capitalism has helped alleviate poverty for many. Right, that's the natural result of it's forever profit-seeking nature, but that's also its downfall. There's still over a billion people living in poverty, and the way the deck is stacked, a lot of western wealth is built off the backs of the global poor.
Personal jealousy? Get a grip man. There are plenty of white edgy middle class communists online who are annoying as hell, but the global communist movement is not inspired by jealousy, but out of necessity.
Jealousy is not a human condition that will ever bring you happiness. Some encouragement or incentive to want to better yourself, or get a degree or "sacrifice" your personal time to work 24/7 can be what some want. However, every unique person on this planet has to search for what makes them happy and not give as much of a shit what their neighbours are doing. Live your own life.
Some declared communists come around like they're obsessing over demanding how everyone else is to live and experience life. So, some sort of top down dictatorship.
You finally get something right man, I am demanding how people should live. No one should be riding around in a yacht when there is a homeless person out there who could benefit from that misplaced wealth. I do care what my neighbors are doing, when they're nothing but parasites on society.
Under socialism, there will be plenty of people working the minimum amount required to find a fulfilling life, not everyone will find the need to participate in organizing society. With less human effort spent on superfluous careers, more time and energy will be available for what really matters, including what you mentioned, finding happiness and personal fulfillment. I don't think you know what actual socialism would look like.
edit: and that's fine, communist don't often go around predicting the future very often. But capitalism has proven itself inept at handling humanity's needs, and no amount of boot-strap pulling will fix that.