The key point in your example of digging a well is the voluntary offer of labor in return for an agreement by the participants.

What's missing?
Force. Coercion. Government.

I would love to know how many of you supporters of this plan have formed and/or joined a voluntary association to share incomes? Any of you?

Why not? There is nothing preventing you from forming a voluntary association to give yourselves the very benefits you assert such an arrangement will deliver.

Plus you will get the moral benefit of not using the force of government guns to get what you wish.

So go ahead. Any of you?

Anyone?