Ok some points.
1) ¿How does current society deals with rich people? They certainly do not need to work, yet, I believe a bunch of them choose to have productive life's instead of being parasites. Yes, one answer is greed, they have everything they could possible dream yet they want more. Still, Gates, Buffet, will give back almost everything they have earned, why, because once you past a certain point money is useless.
2) How come, in a world where money is indispensable as you live permanently in debt (an important point that I will stress later), there is such thing as ONGs? What would impulse anyone to volunteer? and this happens from moms working at their kids schools to firemen, risking their life's for other's, to doctors giving (for free) all their hard years of study. What in hell can be in the minds of such people? are they nuts? Or... are they also following human nature... and... there is arguabily more "givers" than "takers", so to speak.
3) (this is not the ZM but my own take), (no it is not "a solution" is just an idea in progress, one that will obviously evolve in part by the feedback I'm receiving in the JREF), You have housing, healthcare, education and food for free, but fancy TVs, travels, videogames and other stuff requires you to be productive. Now, the difference here (with actual model) is that you would not get a bigger tv if you are succesful actor than if you are a baker.
I am not going to argue too much on the first two points. There are definitely rich people, especially self made rich people that are still productive even though they don't need to be. And of course plenty of people volunteer because they feel the need to. Not everybody is like that.
As for the last part, you are actually OK with giving everything that people need for free? I promise you that millions of people would take you up on that and never do anything productive in their lives, ever. For example, I know a lot of stoners that would love to sit around and get high all day and not do a damn thing else. As of right now, they have to work to support themselves and their habits (either that or sell drugs). Under your system, they would just get high all day. Would you have a problem working to support a bunch of druggie slackers? I would.
As for getting all the bells and whistles for being productive, who decides what productive is? Does any kind of work count as being productive? Could I get anything that I wanted by doing any kind of work that I wanted? Perhaps I would be a sky dive instructor. I would be productive by helping people have the time of their lives. It would be a fun job too. I would take my students out on my private plane and when I 'm finished for the day, I would ride home in my Bugatti Veyron to my 30,000 square foot mansion.