Well it is pretty clear in the literature that a communist society is stateless and classless. I could pretend to be a surgeon, botch a surgery and it wouldn't be a "not a true scotsman" fallacy for someone to deny a claim that "surgeons have no idea what they are doing".
blah-blah-blah.
Here is the essence of your problem.
What makes YOU more capable of deciding how my money should be spent that ME?
I'm not but if a community votes to spend the community's money a certain way that is counter to your views then that is democracy. You could leave the community if you felt so strongly against its decision and no one is suggesting any limit to the freedom you have with your personal money.
In cryptocurrency, an update may include lower fees and less block reward. If a bunch of people don't like it, they are free to operate a fork. If no one likes it except the person who came up with, then it is not adopted and the developer is left operating a 1-person network. That is a democratic 51 percent community decision.