I imagined it and called it hand-to-mouth. It would be incredibly wasteful not to let others use resources you don't need at the moment in exchange for particip

I imagined it and called it hand-to-mouth. It would be incredibly wasteful not to let others use resources you don't need at the moment in exchange for participating in their future proceeds. A large part of the resources in such a society would lie idle at all times. There would be no insurance either, so everyone would be forced to save tons of money to cover adverse events that don't happen to most of them most of the time. For instance, everyone would have to save up enough to rebuild their home in case it burns down. That amount would be thousands of times what is needed to rebuild the homes that actually do burn down.