Interest-based compound economies generate monotonically increasing wealth inequality through multiplicative accumulation dynamics, yet the conditions under which gift-based reciprocal exchange outperforms such systems in collective well-being remain unquantified. We present Zensei Wago (全生和合), a seven-layer agent-based model comparing a Gift Resource Circulation (GRC) economy with a Compound Interest Circulation (CIC) economy under identical initial conditions. Across N = 5000 Monte Carlo replications (T = 700 ticks, N = 100 agents), GRC produced significantly higher collective resonance than CIC (p < 0.001, Cohen’s d = +0.171), above a critical prosocial threshold pm ≈ 0.698. Cohen’s d grows monotonically with duration — d = +1.943 at T = 1500 and d = +4.126 at T = 3000 — driven primarily by structural collapse of CIC resonance as inequality exceeds a critical Gini threshold (G > 0.333), while GRC resonance remains stable. The gift mechanism further decouples collective well-being from distributional outcomes, generating resonance through relational quality rather than material redistribution. Network topology analysis across seven configurations — combining a Watts-Strogatz rewiring sweep and a T = 1500 longitudinal replication — reveals that ring topology maximises GRC advantage (d = +1.17), that most topology-dependent reversals are transient (sparse and small-world both transition to significantly positive by T = 1500), and that a critical rewiring threshold of p ≈ 0.10–0.20 separates GRC-advantaged from GRC-disadvantaged network configurations. Scale-free networks remain persistently adverse (d = -7.24*), requiring structural redesign for gift-economy viability.