> neither did communism (I know since I grew up in it

Impossible. Communism is a work of science fiction, much like Star Trek which is a more modern adaptation of the same idea. Like Star Trek, the concept is dependent on post-scarcity, which we've never seen, and isn't likely to ever happen. Perhaps you mean you grew up under rule of the Communist Party?

> it had to be bought for non-trivial money with good old mortgages, and only regime-aligned people could

The defining features of communism are no class, no state, and no money. It imagines these will no longer be relevant in a post-scarcity world.