Reducing wealth inequality and increasing utility are critical issues. This study reveals the effects of redistribution and consumption morals on wealth inequality and utility. To this end, we present a novel approach that couples the dynamic model of capital, consumption, and utility in macroeconomics with the interaction model of joint business and redistribution in econophysics. With this approach, we calculate the capital (wealth), the utility based on consumption, and the Gini index of these inequality using redistribution and consumption thresholds as moral parameters. The results show that: under-redistribution and waste exacerbate inequality; conversely, over-redistribution and stinginess reduce utility; and a balanced moderate moral leads to achieve both reduced inequality and increased utility. These findings provide renewed economic and numerical support for the moral importance known from philosophy, anthropology, and religion. The revival of redistribution and consumption morals should promote the transformation to a human mutual-aid economy, as indicated by philosopher and anthropologist, instead of the capitalist economy that has produced the current inequality. The practical challenge is to implement bottom-up social business, on a foothold of worker coops and platform cooperatives as a community against the state and the market, with moral consensus and its operation.

翻译：减少财富不平等与提升效用是至关重要的议题。本研究揭示了再分配与消费道德对财富不平等与效用的影响。为此，我们提出了一种新颖的方法，将宏观经济学中资本、消费与效用的动态模型，与经济物理学中联合经营与再分配的交互模型相耦合。利用该方法，我们以再分配与消费阈值作为道德参数，计算了资本（财富）、基于消费的效用以及衡量这些不平等的基尼系数。结果表明：再分配不足与浪费会加剧不平等；反之，过度再分配与吝啬会降低效用；而一种平衡的、适度的道德则能同时实现减少不平等与增加效用。这些发现为哲学、人类学和宗教中已知的道德重要性提供了新的经济学与数值支持。正如哲学家和人类学家所指出的，复兴再分配与消费道德应促进向人类互助经济的转型，而非催生当前不平等的资本主义经济。实际的挑战在于，以工人合作社和平台合作社作为对抗国家与市场的社区立足点，通过道德共识及其运作，实施自下而上的社会性经营。