Levelled distributism (or xp distributism) is a theoretical economic system that uses vouchers alone, no money changes hands. Everyone is provided social benefits (basic housing, basic food, education, medical, and pensions) through their respective occupational-group guild (around 25). The guilds ensure quality and certification, in addition to providing the social benefits. Grand Council of the Guilds (GCG) would consist of equal representatives of each guild. The GCG would set the price ceilings & floors of different categories of products and services (block worth). Since it would be negotiated between all players, it would not affect production. Businesses owners would set the specific worth (the amount between the ceiling & floor). There would be 5 easy values to place the different categories:
Tiny (1 - 9)
Small (10 - 19)
Medium (20 - 49)
Large (50 - 79)
Huge (80 - 100)
No product or service could be over 100 worths. These worths are blocks in a voucher book that are punched through when used. Every 3 months or season, new voucher books are issued, rendering the old ones worthless. This would prevent the accumulation of wealth, but no one would fear going hungry or homeless as the basics would always be provided. Banks would not exist as money would not exist. Rent-to-own and interest could not exist either. For a product that is deemed to be much more valuable than 100 worths, such as a car, the GCG would allow parts to be sold individually (up to 7). When all the parts were bought, a service provider could install and build. With leveled distributism, not everyone makes the same amount of worths. The GCG states what works or "quests" make xp. When individuals earn enough xp, they level up. Some works provide more xp than others, depending on quotas and negotiations. Since there are much fewer doctors than there are shop clerks, every surgery provides more xp than customer served. If more doctors suddenly flooded the doctors guild, the amount of xp for each surgery would go down; if majority of shop clerks resigned, the amount of xp for each customer served would go up (similar to supply & demand). The following levels in generic terms show how much worths are allotted to each:
Apprentice (A) 100
Novice 2nd Class (N2) 150
Novice 1st Class (N1) 300
Artisan (R) 500
Craftsman 2nd Class (C2) 700
Craftsman 1st Class (C1) 1000
Master (M) 1500
Companies would still exist, just as more of a cooperative. They would pool an agreed to amount of worths together. If large enough, they would elect a board of directors. The company would receive its own voucher book, perhaps with only basic housing for business. Lastly, crime could be dealt with by removing xp (and levels if not enough xp in current level) for nonviolent crimes. Democracy within the workplace (all employees of companies are part owners), democracy within the guilds (all persons certified and practicing a job are members), and democracy in govt would be upheld.
To argue that any moneyless system would work in our world is just unrealistic. This is the case for the following reasons.
This would almost immediately fail unless every nation agrees to implement this simultaneously. A nation needs to export goods so that more money flows into the nation and the economy improves. Because money would not exist in this fictional nation, they would be entirely unable to trade with any other nations. Without trade a nation would suffer, even if it is self-sufficient, the nation would have to sacrifice the use of goods that they lack the resources to create themselves.
2. Natural Human Competitive Instinct
Collectivist and Cooperative Economic theories always fail because they are against human nature. Humans, as animals, are inherently competitive and almost always seek to improve their own lives. People are naturally compelled to prioritize the welfare of themselves and their families before everyone else. For this reason collectivist and cooperative economics are abused as people find ways around the system. Avoiding the accumulation of wealth is impossible because it is natural for humans to want to accumulate wealth. Social Darwinism (https://en.Wikipedia.Org/wiki/Social_Darwinism) explains how humans are no different then animals and that survival of the fittest applies to us as well.
3. Potential For Abuse
Humans will, without a doubt, turn any cooperative economic system into a a competitive one. People would find ways to accumulate large amounts of vouchers that will essentially turn into money, for the following reason. Some, who have large amounts of vouchers, will lend vouchers to those who do not have a lot. Soon the poor will have to pay the voucher-wealthy lenders with some of the vouchers that they get every week. The Voucher-Wealthy lenders will accumulate excess vouchers. The Voucher-poor will soon be so deep in debt that they will not have enough vouchers to survive. Then the Voucher-Wealthy will offer debt relief to the Voucher-poor. This debt relief will be work in exchange for Vouchers, and essentially the wealthy will have low paid work again, and the wealth gap will be just as wide as it was before.
Any viable economic enterprise on a scale with more than a few thousand people requires a way to set prices, to determine what is a fair trade, in a rapid way. The decision to acquire or not cannot be one that takes a committee to decide in the context of something that will be transacted billions of times a day. Money represents only an efficient way to determine a near-equitable transaction rate for these trillions of transactions per day.
That there are people who manipulate this currency system for their own personal gain is not a problem that is solved by leveled distributism. Indeed, the voucher system is subject to identical machinations and manipulations by those who seek to succeed not through direct labor but through divining and exploiting within the rules of the system.
Defining the gatekeepers of the society so rigidly (the GCG) also makes the society incredibly vulnerable to corruption. The people who determine if you've adequately acquired enough xp to "level up" would all require saint-like levels of resistance to bribery, extortion, or other coercion.
Such a system would force some to slavishly provide for others who are for whatever reason, indolent. You cannot "provide" for everyone equally unless everyone is producing equally and the only way to accomplish that is by force. And even then, equal productivity cannot be forced to happen because not everyone is equally capable.