An approach I've considered is, that the living allocation by default is just comfortable. You'd be able to get allocated a city apartment or a rural house. But this is coupled to a delegation based "liquid" direct world democracy where you can either direct your surplus yourself, or delegate it to someone (or some organization). And recursively they can delegate it too.

So suppose you were Elon Musk and you said, I want to build a colony on Mars, you'd probably be able to draw the interest of large delegating entities who would grant resource priority to the program so it could make rockets, and other entities would have projects that needed launching, and so forth.

Or compare a smaller project, if you were a marine biologist and you wanted to equip a boat and go study penguins, there would be some delegating entity that would care about penguins, and you'd get your boat.

Perhaps even if you just wanted a particularly beautiful house, you'd be able to draw enough aesthetes to your cause.

But if you were just a jerk who wanted a mansion, well, probably not.

[Edit: for clarity, you could conceptualize this system as something like crowdfunding, except global, recursively delegated, and directing resources directly instead of money.]

So that doesn't really answer any of the scenarios I posed. You do manage to imply that I'm a jerk for wanting a nicer house/vacation/recreational vehicle than I'm allocated by the state, so that tells me something...

Sounds to me like if I wanted to buy a jet-ski in your world, I'd have to find a bunch of people to 'delegate' their 'surplus' to me. Perhaps I could perform some function for them in return? Say, that sounds a lot like labor... So I could work for money. Got it.