We are a few more millenia away from that one.
It seems our very nature wires us for an us-vs-them mentality and until we can get past that, those patterns will appear in the social structures we set up; naturally creating a ladder of progression.
The idea is nice but the incentives we have to create new products and wealth unfortunately also incentivizes us to hoard the wealth
I don't think we're fundamentally good/bad/anything. We have just have a set of learned/programmed biases and ways of thinking that can lead us to poor decision and the social programming takes several generations to change globally
This is very narrow US-centric thinking. Just look at the Chinese government, who generally have a longer term view of just economic gain compared to the US. It's not hard to extrapolate from that.
I think the idea that humans are naturally self-centered, short-term thinkers is flawed. One could easily make the argument that humans are social creatures and are long-term thinkers. Short-term profits are incentivized by the current economic, political, financial system in the US. Doesn't have to be some innate human aspect or whatever.
This is only possible in a world where there is no bottom rung of the ladder. That's impossible.
Given this, charity would be unethical because you are participating in, perpetuating, strengthening that system, and benefiting from that system from people worshipping you.