I have an idea for three worlds in conflict, with one of them being my utopia world. Keeping in mind the reality that even the best world is going to have serious flaws....
Ti Pramere as most of the worlds in the Long Journey Cluster was terraformed by a 'package' designed by Long Journey, Limited. This English company developed the know-how and the sophisticated interplay of terraforming agents to allow a collection of bacteria to be unleashed from hundreds of lightyears away. The varying bacterium are released in carefully prescribed order with the result of a human-ready planet available for use after a mere century.
The near lightspeed rocket with its varying packages left Earth early in the 22nd century, and a package crashed into Ti Pramere's dead world in 2315. In 2422, the planet was certified as ready for humanity.
In 2272, a ship left Earth, and more sedately due to its human passengers (even frozen they required more kindness than sturdy bacterium) it arrived in 2480.
The Founders were subtle and wise men who bound their descendants into a social contract based on a profound mistrust of humanity, and a deep respect for the Creator.
in 2690, the first FTL ship arrived at Ti Pramere, and found a thriving society. They tried to bend things to their favor, but although they did well, they found there was no means of creating a monopoly.
The governance is very small, and hence it is well-respected as honorable. Its job is to maintain the defenses against exterior foes, and to ensure that crimes are punished.
But it lacks the power to create a monopoly. There are monopolies, but without special advantages granted to them by the governance (like tax breaks, and special tariffs), a monopoly can only be such by being better than everyone else. And that is what is desired after all. If a monopolist tries to take advantage of his unique position, he only destroys his own power.
Unlike many supposedly laissez faire governances, the entities of 'corporation' and 'banker' have no meaning. A corporation, a means of evading responsibility for legal harms, is not legal. Neither is it legal for a man to take money, and then offer twice or three or more times money in loans. Such is regarded as fraud. One may serve as a broker between the rich investor, and the man wishing a loan, but such position is far weaker than 'banker'.
Side effects of this are both good and bad. One of the effects of a 'corporation', especially when tied to a 'franchise' is for the society to be very rapidly transformed into a new way of living in response to challenges arising, or in response to new good ideas. Without corporations, the society changes far more slowly.
On the other hand, the society is far more 'Jeffersonian yeoman'. Each person is more apt to have some significant wealth, but neither poverty nor grand heights of wealth are as common. The dignified, yet restrained farmer is the model for society. He neither flatters, nor grovels.
The effect of no banking is more positive as the business cycle is largely non-existent. Without undue credit expansion, there is no undue credit crunch.
One other set of changes...it has been noted many times that children in an industrial society are not an economic benefit unlike in agricultural socities. It has also been noted that 'teenagers' are such spoiled, punk brats because they are neither fish nor fowl. It has also been noted that with proper nutrition, that teenagers grow up earlier. This leaves one of two choices--the teenager may be abstinent for a very long time, or he may forego morality in response to insistent demands of his libido. Prior to the modern age, morality demanded, but not for such a very long time.
Ti Pramere made some changes.
1. Fourteen year old females and fifteen year old males were allowed, nay encouraged, to be married. This was under the old definition of marriage....'till death do you part', and with the understanding that each side would work on the relationship.
Tests were given to help discern compatibility. Also classes were given with the clear idea of instructing each gender in the good qualities of the other gender. Too many females had found themselves swayed by the 'bad boys'.
Of course, one of the dominant reasons females were swayed by such 'bad boys' was the feminization of 'good boys'. This was reversed. Being tough, brave, and loyal were regarded as more important than getting good grades especially since situations change. A knowledge of situations was very useful, and hammered into the lads, but bravery was more important because it was useful in all situations.
Naturally, most fifteen year olds were not competent to lead a household by themselves. Although, considerable ability was unleashed when it was shown that much of 'necessary training' was pure unneccessary credentialism. Still, it was not enough. This was where parents and grandparents stepped in to help out. An extended family guided the young couple.
The economic drain was more easily solved. Each child gives to his parents a set percentage per year of the wealth he earned. He also gives a smaller percentage to his grandparents. Thus, if one were to have seven children who became professional investors, and merchants....one could retire quite nicely.
This fostered a focus on teaching the children.
Two hundred years after the FTL ships arrived, the people of Ti Pramere are groups of extended families heavily into merchanting, with young adults responsible for vast fortunes, and the typical couple having on average 6.9 children. Most people have a wide array of talents, and usually have several that they are professional at. The family elders tend to have expert level skills in certain areas.
Most business arrangements are 'done with a handshake'. The honor of a particular extended family is of great worth to it, and to maintain that honor they would definitely accept economic damage.
Laws have been passed about a hundred years ago forbidding too close relationships between families. This is based in part on worries of inbreeding, and on the desire for the families to be open and energetic.
Many of the Great Families are starting to make marriages off-planet.