The rationale

[Matt]

Independent finances will be maintained because:

depending on member's predilections and talents, they will be earning (or not) differing amounts of money from outside the community. Requiring those earnings to be donated to the community would lead to perceptions of differing status, the suppression of participation in wider society, and good old-fashioned resentment.

a fundamental aspect of the communities will be their voluntary nature. If members don't have their own finances, they will find it difficult to leave the community should they feel inclined to. These are communities, not cults.