The problem is that while you can convince someone briefly that your new utopia is a good idea, as the years go by, people start having other ideas, they start wanting things. Self-interest never really went away. So you need to stop them from thinking wrong and wanting the wrong things and having the wrong ideas, and the only way to do that is through oppressive totalitarianism.
Human institutions ossify and start to serve the ends of their own power accumulation, no matter how noble their initial ideals and goals were.
> If you have the benefit of this inequality, you should use it to ensure the availability of life’s necessities
That's an individual decision, not an oppressive dystopian institution.
In fact, one way we could start working on reducing inequality is to reduce the oppressive dystopian elements of our current institutions.
And toward that end, we should note that any elite privileges you may enjoy ultimately rest on the ability to call on the government to use force on your behalf.
As you said: the "cycle of elites climbing to the top and being overthrown...sucks for those involved".
Having acknowledged that it sucks, why not try to improve it?