I think you are trapped in idealism - no offense. Using money and power, a small group is able to direct events,
even in a democratic environment; it happens with conventional money, it can happen with bitcoins/cryptocurrencies.

In case of Bitcoin, it is conceivable that earlier groups are connected, thereby enhancing their influencing capabilities.
This development is natural, but only as benign as the group members.

So your question becomes more frightening:

What if the minority decides that the majority is only allowed to possess a fixed and known amount of addresses?
(There exists a thread about a dystopian future here on BT, which I still have to read)

Now back to your original question. The idea, that in the future accumulation of wealth is no longer a supreme goal, but self-improvement is, spreads through science-fiction media.
Your thoughts probably match this scenario, as people would no longer care about maximizing/increasing balance on their wallets as generations before did.
Probably it is worth to study the feasibility of a resource based economy (RBE) as it could align with this idea. I have not done this yet.

However, it could be sufficient (or more just) to spread the idea and let everything else follow in line by advancing human behavior, instead of
enforcing it technologically.

Thank you very much for a thought-provoking post.
Benjamin