And about that yacht, I can't get enough wealth to buy superyacht unless 1) I provide some product/service that LOT of people buy or 2) I did some major heist. We can all agree to put the 2) in jail.

The "luxury" I was talking about is not "yacht", but more like the mobile/PC you use. Certainly you don't need a mobile or PC to live, but would you not buy a mobile and instead donate all your money to the homeless? I don't think so.

In an ideal capitalist society, there will be a lot of competition in the market, all trying to get a market share. Therefore there will be lot of models of mobile and the buyers can choose exactoy what they want. In a socialist society, there will either be no mobiles, or one model.