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Sure, culture matters, but it’s small fish once money gets involved. The above are all economic questions with economic answers. Communism is not a political structure, but an economic and social structure. You are both thinking far too American.
Money is a massively abstract commodity, and as such, monetary distribution is an abstract measure of potential commodities. In concrete terms, this has a highly contingent relationship to well-being.

Collective wealth is, of course, subject to the same limitations but respectively less precise.

No! But it might mean that it doesn’t necessarily matter what the leading political ideology of the country is, rather the economic system enforcing it.