quite right. it absolutely is a human trait. but the american political conversation about freedom is unique in seeking to suspend reality.
freedom isn't the absence of rules. it is also the freedom to make them.
elsewhere, it is unusual for folks to oppose the principle of regulation. yes, folks argue about the amount and the shape. but not the general principle. regulating markets to some degree shouldn't be controversial. and yet it is in the us. nature is treated as a printable resource. market freedoms as an undiluted virtue.
and so the whole process repeats. the financial markets collapse due to weak regulation. people are damaged. regulation is introduced to prevent such a thing occurring. then folks pick away at the regulations on the principle that markets should be free. soon enough, bad practices reappear which expose people to harm. and so on.
markets create more stability and more wealth when they are well-regulated. a culture that values money above all else ends up causing harm to everyone.