Before there was money there was debt. Debt goes back thousands and thousands of years.

My neighbors, friends, family, all of us

That's exactly why. You described a band, a tribe, a group. People not in that group are not in your band / tribe / group. So, you don't really need to share your wealth with people from outside your group. Nobody can know and love 8 billion other people. Humans are still fundamentally apes, and that's just not in our ape nature.