You either haven't read my posts or are intentionally misreading them

On the contrary, I have dutifuly tried to engage as forthright and honestly with you as possible. I respect you as a fellow leftist, I just disagree with your attatchment to Moralism. Sadly, you haven't taken the time to respond to the points I have made, at least not directly.

There's things we must do to survive, and there's things we can do ignoring the survival and well-being of others

Then tie Proletarian's meager investments, which pale in comparison to the oceans of wealth taken from the Proletariat, to ignoring the survival and well-being of others. A proletarian taking a meager bucket back from the wealth stolen from them does not change their position with respect to their fellow Proletarians, nor does it impact the dialectical contradiction between the Proletariat and Bourgeoisie.

If the only way to win is to become the oppressors, we lose by default

Not a single person here is claiming that the path to Socialism is via Proletarians individually investing, neither does investing so that you may eventually retire mean you are no longer a wage slave.

Never forget that Communism is the Doctrine of the Conditions of the Liberation of the Proletariat. The Proletariat will use the tools at its disposal to its advantage, regardless of individuals with "principles" rejecting them. Communism is not a guideline on how to be a proper Worker within Capitalism, but a path to move beyond Capitalism. Harm reduction is good, but focusing on vague, arbitrary levels of acceptability based on nothing other than vibes is missing the forest for the trees.

I think you should step away from the keyboard for a bit, I think you've gotten pretty heated in this thread and seem to be replying to everyone. I think it would be beneficial for you to take a break and come back later, though don't confuse this for me telling you what to do. I don't know what you've got going on right now.