The only major exception is perhaps for certain limited sectors of the finance industry where derivatives contacts are understood to be a zero sum game. So everyone looks for clever ways to screw their trading partners. But European financial firms are just as ruthless as their American counterparts. In fact the Europeans have often been more willing to cross ethical lines.
Having to distrust your business partners is not uniquely American in the slightest.
Of course, I'm arguing a tautology. And ignoring that while most animals in a social species are socially motivated, certainly some of them will 'cheat'.
Meanwhile, the other strong drive that both humans and other animal species share is competition between the groups. Over the course of history, humans started to form groups of hundreds, then thousands, and eventually millions of people. In such groups, the drive to subdivide and compete dominates - the history of social development is one of inventing social technologies - cultural and legal mechanisms that keep those large groups whole and defeat our competitive instincts.
Modern corporations contradict that claim.
Corporations are strongly structured internally. They usually have a "spine" of bog-standard hierarchical organization[0], and some form of secondary, graph-like, functional organization, different in every big company. Like e.g. (roughly real structure, but fictional names):
- Hierarchical spine: I currently work for team Awesome, under business unit BU1, under department D1; I report to manager Eve (Awesome), who reports to Fred (BU1), who reports to Greg (D1) who reports to Helen (CEO).
- Secondary organization: My team (Awesome) closely works with teams Invincible (BU1) and Jazzy (BU2), all with slightly different reporting chains.
There are dozens other teams in the corporation and several more BUs. I almost never interact with them directly. My social cooperation instinct covers my team and other teams in the "secondary organization" section. Separation of responsibilities and complex structure prevents my team from actively competing with other teams - we either cooperate with them, or don't know they exist.
This is how corporations scale. If you want to see a scaled-up system demonstrating competitive tendencies, that's... the market itself. And it needs the strong, top-down, hierarchical regulatory system to prevent that competition from immediately turning bloody[1].
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[0] - Which is the fundamental social technology we've invented that allowed us to scale the societies and build a civilization. It's why every large (> ~100) group of people you can find has some form of hierarchical governance.
[1] - As a social technology, the modern symbiosis between the market and governments is a marvel. It's by no means perfect, but the fact still is: we didn't just suppress our competitive tendencies while scaling societies up - we've harnessed them and put them to work, and it mostly turned out OK.
No, you are the one who is misguided here for having any faith in personal responsibility. Humans are inherently greedy, and if left to their own devices without consequence they will absolutely attack their neighbors.