It's true that the wealthy couldn't take real property with them, but they could take anything movable (i.e. personal property). I can see how eliminating money might reduce the likelihood of a power-mad dictator seizing power (though it would still be a significant possibility) but it would also cause the economy to grind to a halt. The barter system just doesn't work. As for collective incentive, that wave of fear I wrote of would get in the way. If there is a scarcity of resources (as there would be regularly in anarcho-communism), each person wants to hoard their goods. If the scarcities became severe enough, I can see the utopia descending into looting and chaos. I don't see why people would cooperate in hard times unless forced to do so by a government, and then there would be another authoritarian socialist state. That is just my prediction. I don't like capitalism, but I think John Kenneth Galbraith summed it up best when he said:

"Under capitalism, man exploits man. Under communism, it's just the opposite."

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"I am a Tory Anarchist. I should like every one to go about doing just as he pleased- short of altering any of the things to which I have grown accustomed." (Max Beerbohm)