Cooperation to the detriment of the individual in the animal world is exactly the same phenomenon in a much simpler system. That is widely and repeatedly evolved so we know for a fact that the game theory works out in a vacuum (ie without human cultural factors).
Any high trust cultural behavior is similar.
- Biology gives us the instinct to cooperate and the capacity for empathy.
- Capitalism provides the mechanism to scale that cooperation to millions of strangers.
- Institutions (laws/culture) provide the rules that prevent the "vacuum" from devolving into a state where the strongest exploit the weakest (which is actually what happens in nature when policing fails).
Therefore, in a capitalistic society, cooperation to the detriment of the individual (e.g., paying taxes, following labor safety rules) is not just a biological imperative; it is a social contract enforced by culture to allow the complex system to function. Without the cultural layer, the biological layer alone is insufficient to sustain a modern economy.
I do not think this should be analysed from the perspective of an individual but from the perspective of being part of a collective.
Individually we are pathetic naked monkeys, collectively we are mighty