@Radical_EgoCom Graeber's baseline communism provides an example of roughly "equal" exchange. I'll give you my ax today, you give me a cup of sugar tomorrow. Chronic moochers are eventually "de-federated," households that demand interest on their loans are reprimanded, eventually de-federated. Threat of de-federation plus desire for insurance motivate participation in the system.
@Radical_EgoCom Threat of de-federation and the desire for insurance motivates participation in the system. However, if investment in the internal capital of the household is more profitable than accepting a given external exchange is likely to be, motivation to say "nope, sorry, gave at the office." And the richer the household, the better it is at self-insuring.