[gridlockd]

> I find it bleak that we expect our societies and markets to function, solely driven by "selfish" value-chasing individuals.

Perhaps it's bleak, but it is an expectation that generally works even without massive brainwashing. Hope for the best, prepare for the worst.

> Interestingly, in the past I've also experienced private health-care in the US, and yet wouldn't consider volunteering...

So your willingness to help is premised on upholding some collectivist institution, not on helping save lives in times of a crisis. Interesting indeed.