Unfortunately, we have had plenty of people that think too small to consider the overall value of the currency but are more fixated on getting ahead themselves relative to others.
I haven't assessed the situation lately but hopefully things have changed.
From what I've seen, things are much better in that respect nowadays, but I suppose there will always be such people. So the best thing to do is try to define a set of blockchain rules that limit such abuses as much as possible.
I don't believe I've ever met a charitable libertarian or anarchist, and we seem to be lousy with both.
I believe it's important that any RULES are universal, applying to every account equally, and not "special cases" or "based on the whim of the appointed enforcers".
I'm pretty sure the "human-contentment and empathy" problem is not unique to this particular case.
Even most "charitable organizations" only use 11% of their donations to "help" anyone.
The other 89% they keep for themselves, and that ends up being a pretty effective business model, especially when you can get FREE LABOR from naive VOLUNTEERS.