Boehm’s research has led him to believe that much of the evolutionary basis for moral behavior stems from group pressure. Not only are bad actions punished, but good actions are rewarded. When a person does something for another person—a prosocial act, as it’s called—they are rewarded not only by group approval but also by an increase of dopamine and other pleasurable hormones in their blood. Group cooperation triggers higher levels of oxytocin, for example, which promotes everything from breast-feeding in women to higher levels of trust and group bonding in men. Both reactions impart a powerful sensation of well-being. Oxytocin creates a feedback loop of good-feeling and group loyalty that ultimately leads members to “self-sacrifice to promote group welfare,” in the words of one study. Hominids that cooperated with one another—and punished those who didn’t—must have outfought, outhunted, and outbred everyone else. These are the hominids that modern humans are descended from.
It’s revealing, then, to look at modern society through the prism of more than a million years of human cooperation and resource sharing. Subsistence-level hunters aren’t necessarily more moral than other people; they just can’t get away with selfish behavior because they live in small groups where almost everything is open to scrutiny. Modern society, on the other hand, is a sprawling and anonymous mess where people can get away with incredible levels of dishonesty without getting caught. What tribal people would consider a profound betrayal of the group, modern society simply dismisses as fraud. Around 3 percent of people on unemployment assistance intentionally cheat the system, for example, which costs the United States more than $2 billion a year. Such abuse would be immediately punished in tribal society. Fraud in welfare and other entitlement programs is estimated to be at roughly the same rate, which adds another $1.5 billion in annual losses. That figure, however, is eclipsed by Medicare and Medicaid fraud, which is conservatively estimated at 10 percent of total payments—or around $100 billion a year. Some estimates run to two or three times that figure.
Fraud in the insurance industry is calculated to be $100 billion to $300 billion a year, a cost that gets passed directly to consumers in the form of higher premiums. All told, combined public-and private-sector fraud costs every household in the United States probably around $5,000 a year—or roughly the equivalent of working four months at a minimum-wage job. A hunter-gatherer community that lost four months’ worth of food would face a serious threat to its survival, and its retribution against the people who caused that hardship would be immediate and probably very violent.
Westerners live in a complex society, and opportunities for scamming relatively small amounts of money off the bottom are almost endless—and very hard to catch. But scamming large amounts of money off the top seems even harder to catch. Fraud by American defense contractors is estimated at around $100 billion per year, and they are relatively well behaved compared to the financial industry. The FBI reports that since the economic recession of 2008, securities and commodities fraud in the United States has gone up by more than 50 percent. In the decade prior, almost 90 percent of corporate fraud cases—insider trading, kickbacks and bribes, false accounting—implicated the company’s chief executive officer and/or chief financial officer. The recession, which was triggered by illegal and unwise banking practices, cost American shareholders several trillion dollars in stock value losses and is thought to have set the American economy back by a decade and a half. Total costs for the recession have been estimated to be as high as $14 trillion—or about $45,000 per citizen.
Most tribal and subsistence-level societies would inflict severe punishments on anyone who caused that kind of damage. Cowardice is another form of community betrayal, and most Indian tribes punished it with immediate death. (If that seems harsh, consider that the British military took “cowards” off the battlefield and executed them by firing squad as late as World War I.) It can be assumed that hunter-gatherers would treat their version of a welfare cheat or a dishonest banker as decisively as they would a coward. They may not kill him, but he would certainly be banished from the community. The fact that a group of people can cost American society several trillion dollars in losses—roughly one-quarter of that year’s gross domestic product—and not be tried for high crimes shows how completely de-tribalized the country has become.