> we could take care of everyone with disabilities 10x over with plenty to spare.
Yes, like the 40%[1] of Stanford undergrads who have disabilities. The greatest long term impediment to what you're suggesting is folks who don't need the help taking advantage of the resource distribution. It both massively increases the costs and sours those who have to pay into the system on the whole thing leading to a backlash.
If we could just solve this quirk of human nature, we'd be all set.
[1] https://fortune.com/article/rise-in-elite-students-seeking-a...
Yeah, disability accommodation like having single dorm room and being allowed to cook for themselves rather then using cantine. Maybe the question is why the cantine is obligatory anyway.
This is an issue, but billionaires are a greater issue.
You've just arrived back at capitalism: it's the least bad resource allocation optimization algorithm assuming everyone is an amoral asshole and willing to take every advantage they can.
Superior systems exist, but they require relaxing the adversarial asshole constraint.