> balancing self optimization and social optimization

A person in a society has a right to the minimum of essential ordinary resources (food, shelter, clothing) to function as a general matter. (We have a right to pursue other goods, and in some cases a right to them once had, but we cannot say we have a right to them per se and before the fact. We have to be careful to distinguish between the two, as undisciplined and entitled people consumed by appetite tend to be unprincipled and like to inflate the list of “essentials” in self-serving ways. There’s certainly a pathology of envy at work as well, and we should in no way naturalize envy.)

In a situation of scarcity where there isn’t enough for everyone (which does not apply to the developed world), there is no solution that could satisfy that right universally. There is therefore no injustice committed when such basic resources are not distributed accordingly. Whoever gets their share gets it; whoever doesn’t simply doesn’t. You would expect competition here. Now, you could be charitable and self-sacrificial and give up your own share for another, but you have no such obligation to do so, and thus no one has the right to your share. Such charity would be an extraordinary act that transcends mere justice. It is entirely voluntary, even if heroic.

> and you'll have a utopia

Well no, you wouldn’t. This is the fallacy of consumerism and homo economicus. Even if everyone were rich, you would still have plenty of misery. The idea that human well-being is rooted in mere consumption - full stop - is at the root of so many ills. There is no well-being without virtue.