2) To overcome that, everyone is given a certain sum by the state every month that should provide for the basic amenities of life. Luxury goods will be available to those who can earn more money in the usual way, thus continuing to encourage private initiative.
Are MRIs a basic amenity of life? What about indoor plumbing? The problem with this scheme is that it will actually do the reverse of what it is intended to do -- by discouraging productivity, it will delay the rate at which the economy is capable of developing new things that become basic amenities of life. That is, it will in practice deny people the basic amenities of life.