Absolutely correct. Israel at this time was under Roman rule. It is absurd to think that during this time the Romans ran a communist society. If anything it was a free market society which levied heavy taxes on the people (hence the "tax collectors").
As an aside, John, James and Peter appear to have run a very successful fishing operation. John is believed to have been well placed in society for he was known to the High Priest and was allowed into the court when Christ was crucified.
In rereading your statement again, I believe what you are saying is that in Acts the church had all things in common and later they began to institutionalize. I still think your premise is wrong. Ananias, with his wife Sapphira, wanted to appear that they were giving everything they had. But Peter told them that there wasn’t any need for such a sacrifice. I think you’re reading far more into scripture than what is there.
Every institution on earth is created by God for His good will and purpose. There are plenty of these institutions that are not godly institutions.