I think we're mostly agreeing, but I have a bone to pick with the claim that it's a problem with self-interest. Self-interest isn't culture, it's human nature. Getting people to act against their own self-interest is an exercise in futility. The key is to establish an environment in which people genuinely believe that the common good is in their own self-interest.
So for example, a primary reason why there is such high homelessness in San Francisco is high housing costs. But it's in the housing developer's self-interest to knock down some housing valued at $4000/month and build 50 units of the same size on the same lot, even if the aggregate effect of doing so at scale is to cause the value of each unit to fall to $2000/month, because 50*$2000 is still a lot more than $4000. Which in turn reduces housing costs and homelessness. What's stopping this isn't individuals acting in their own self-interest, it's the local government being captured by local landlords who don't want rents to fall.
The reason racism and sexism still dominate is that they're a wedge used by elites to keep poor black folks and poor white folks on opposite sides of the isle instead of voting together against the corruption that victimizes them both, and sow general discord in the population by dividing any group that contains both men and women, which is just about all of them.
They convince black people that their enemy is the redneck and vice versa so that the two groups don't get together and start asking why it's so hard to start a small business. The true solution to racial and economic inequality is upward mobility, but notice that nobody is even talking about that anymore. As if the solution to race is taking down statues and similarly worthless symbolic voids.
But none of this is culture or individualism. It's purposeful manipulation.