Well, you're right.
See, we more or less structured the US on the Hobbesian state of nature, wherein we're all supposed to be greedy, self-centered, and violent. This was rife with induction and failed to account for a litany of examples that simply weren't present. It's old hat that never got scraped off, but now it's baked into literally everything we do.
But because the fundament of our system is developed on that conception of humanity, it contributes to the conditioning of the people laboring under it. My favorite thought experiment: My ex used to accuse me of cheating, I'd have to explain myself, she'd go through my phone, we'd argue; at that point, being punished for the crime, I had may as well cheat to reap the benefits of my just desserts. The Hobbesian affair is a slight alteration in the logical apparatus there - you're not being greedy so you won't be rewarded.
I'll credit the system this: I suspect a more "social" (via Rousseau) view would have immense difficulty in defense against the Hobbesian man. We're by nature, and the dint of our calling as humans (cooperative apes) intrinsically trusting. Granted, there are some conditionals, and some conditioning that as we grow wise, a skepticism emerges. To me that says a system that doesn't employ the Hobbesian mode, is highly susceptible to it. If your institutions are, historically, pristine in execution for a long period the social expectation would eventually gravitate to certainty. When some bad actor is seated, a little sophistry could go a long way in creating a system of exploitation. Something like that...
Most people, I think, and this is borne out by my own experience - just want left alone to their lives. The chains aren't uncomfortable until you find their limits, and as long as you don't reach that you're hardly aware of them after spending a life captive in their grasp. This coupled with intrinsic trust, and the world's inundations, add liberally debt and the construction of the social standard of "good" and "success" and you've managed to culminate a great ethical slavery.
Ultimately though, whether we're fighting fire with fire, the fact remains that we're pressing people to do exactly as you did. Offering a free ascension on a staircase made of the backs of mankind, blaming those who fail to acede to it on a moral basis, and complaining about the living who one tromps upon.
As to organizing, that's a joke. We've really not trialed any other approach at scale sans Marxism, itself a joke. And collectivization of small elements hardly marks a real difference when it's plainly easy to exploit.