The standard that "you must be in total exhile to not be a freeloader" is clearly totalitarian, because A) if we apply the same absolutism to the other categories we get the idea that the first group must all care absolutely and about the exact right "meaningful" things (which is clearly not true), and that the Shameless group must equally be absolute in their evil, and can have no redeeming facts.
And because B) even using the term "freeloader" is totalitarian.
Not only are their people who societies exist in order to support and have "freeload" on them, such as orphans, the disabled, the elderly, babies, children, the poor and incapable, the uneducated and deprived. The huddled masses.
But also because: everyone makes some contribution. It's impossible to exist in society and not. Whether it's artistic, spiritual, intellectual, consumer based, no matter how minor, be it buying shampoo and thus contributing to GDP and taxes, or making someone think via a comment... Or wearing a lovely outfit on the street...
Human existence is a contribution.
So I disagree with your outlook, I think it's totalitarian, anti-humanist, and ugly. I disagree with anyone who uses terms like loser or "freeloader", and I concede that even people I strongly disagree with, are still contributing in their small humanistic and social ways (which all people naturally have).
So I'm not sure you understand the meaning of human society. Why it is, and how it inevitably will continue to be. Where ever we are, it is - "freeloaders" most definitely included.
P.S By the way, most poets, artists, actors, and comedians - cultural workers that is to say - are unemployed bums and "freeloaders". There is no humanity without them. Stop demonizing the poor and people who just want to be left alone.