Communism is when the threat of violence is used to enforce such a rule. I see it as a culture problem but do not wish to use violence to correct it. I think your boogeyman radar is off.
There are many kinds of communism, but someone asking others "please consider spending your privately-held money on slightly different private property and services" doesn't meet any definitions that I know of.
Communism as a political organizational principle requires by definition the use of force (via government) to enforce its dicta. Where did I advocate using force? Where did I mention or even imply the involvement of a government at all?
The word you may be thinking of is collectivism, as a counterpart to individualism, the axis of which obviously aligns much closer with the discussion we've been having above than anything on the capitalism/communism axis. But "collectivism" isn't a 20th century dog-whistle boogeyman so I can see why it dodged your reactionary tendencies.