Final answer:
The extract from Utopia questions the value placed on material possessions and criticizes the idea that objects like jewels and gold should be more esteemed than human life itself.
Step-by-step explanation:
The central idea of the excerpt from Utopia is a critique of materialism and the value that humans place on objects such as jewels, fine cloth, and gold. The text questions why these items are so highly valued when their existence and worth are ultimately the result of human perception and societal structures. This idea is reinforced by the Utopians' bewilderment at the prioritization of inanimate objects over the intrinsic value of human life.