Since we have set up a system that works around the exchange of currency, instead of direct trade.
Then it is only natural to strive towards what you need to survive.
Another huge priority people have is protection.
Ingrained into our hind-brains from years before us.
Thus making people that have collected money, afraid to lose their money, and in extreme cases hoard all their money away from the world.
After that people are worried about procreation.
Since we have set up a system where having more things equates to being more suitable as a mate.
Then people are going to use their spare money on fancy things, instead of helping others in need, and lowering their suitablity.
If we were to take away money itself.
These instincts would still be there, people would only find other ways to do them.
In order for a utopian society to work.
You would have to reprogram people as a species to not fear death, to look at all prospective mates as equal, and to not have any qualms with giving away whatever they have for the better of humanity.
If you watch this video it will explain that people with economic differences suffer through greater depression the wider the gap.
The best thing to remember is to not let what others have get you down about what you can do with your life.