This is a rather capitalistic and self-centered way to think about pricing. Under our current paradigms, a "fully optimized system" would behave in the way you

This is a rather capitalistic and self-centered way to think about pricing. Under our current paradigms, a "fully optimized system" would behave in the way you described, but I would argue that it is optimizing for the wrong things (same as the larger system). To me, a "fully optimized system" would be one that is capable of providing products & services at an equal price to all people. It wouldn't care about who can afford to pay more because it doesn't require the additional profit. Instead, it is efficient at a predictable and stable price point. Those who politically advocate for "equality of opportunity" should favor a future where this is how things work, not one where everyone ends up with $0 spending money. In fact, the latter is exactly the opposite – equality of outcome.