How different is "joy of ownership" in the Dīgha,jānu Sutta from clinging onto one's wealth? In the Dīgha,jānu Sutta, accomplishment of diligence leads to the joy of ownership. Isn't "joy of ownership" just clinging onto one's wealth? What do other Buddhist schools say about this?

A possible equivalent to this in Kabbalah is Bread of Shame, defined as not earning what we receive, or in other terms, receiving without giving. Yehuda Berg states, "As the ancient kabbalists teach us, it is part of human nature and the nature of this world that no matter how much is given to us, as long as we are the ones who are receiving and not the ones who are giving, we will always feel  Bread of Shame. We will always be the vessel and not the Creator. We will always feel powerless. We will always find someone to blame for our unhappiness." It is said to be the cause of all darkness in the world. Another Stack Exchange user, Ian Taylor, states that it "refers to the fact that unearned attainments are not rewarding the same way that things you work hard for are. Part of noble eightfold path is exerting effort to attaining enlightenment— i.e. YOU must work for it."

While the purpose of both teachings is a bit different, I think the Kabbalastic notion of "bread of shame" wants to make people less selfish by attributing the feeling of shame when just taking for the self alone whereas the Buddhist Sutta reveals how to find joy in one's wealth--both of which stress the importance of effort. But, isn't being stuck in the concept of receiving and giving just another way of saying "I" and "them" - a dualistic notion that shames others or yourself. Also, "working hard for something" is a concept: one can just claim to have worked hard for it, but in reality earning something is a reflection of cultural standard. Someone can work hard but not earn what they deem to be the equivalent of their work. Is that feeling wrong, or should one accept the "joy of ownership"? The concept of earning is only rewarding insofar as it feeds our pride vis-a-vis the notion of achievement, the idea that "I" earned it-- a form of spiritual egoism when enlightenment is "attained."
How different is “joy of ownership” in the Dīgha,jānu Sutta from clinging onto one's wealth?

Actually the answer's already provided in the sutta itself. If one clings to one's wealth, s/he won't be able to have a balanced living, the necessary component to the joy of ownership:

&quot;And what is balanced living? Here, a clansman knows his income and expenditures and leads a balanced life, neither too extravagant nor too frugal, [aware]: ‘In this way my income will exceed my expenditures rather than the reverse.’ Just as an appraiser or his apprentice, holding up a scale, knows: ‘By so much it has dipped down, by so much it has gone up,’ so a clansman knows his income and expenditures and leads a balanced life, neither too extravagant nor too frugal, [aware]: ‘In this way my income will exceed my expenditures [283] rather than the reverse.’
“If this clansman has a small income but lives luxuriously, others would say of him: ‘This clansman eats his wealth just like an eater of figs.’1751 But if he has a large income but lives sparingly, others would say of him: ‘This clansman may even starve himself.’1752 But it is called balanced living when a clansman knows his income and expenditures and leads a balanced life, neither too extravagant nor too frugal, [aware]: ‘In this way my income will exceed my expenditures rather than the reverse. ~~ AN 8.54 ~~