I think the Universal Ranked Income concept that I outlined elsewhere in the thread would address this. I think most people would find generic goods to be very boring, thus they would be compelled to obtain money to buy something a bit more fancy. This would let us leverage the stuff capitalism is good at, namely the creation and distribution of products. So long as capitalism is never allowed to dictate a person's wellbeing, I think it can be used to optimize society's expenditure on resources.