One interesting field experiment on the subject is when researchers dropped over 17,000 wallets across 355 cities in 40 countries.
Each wallet had a key, grocery list, and business card, and they varied whether the wallet contained the local equivalent of about $13 or nothing at all.
Turned out that people returned the wallets with money more often than the empty ones in 38 out of 40 countries, and the more cash inside, the higher the return rate tended to go.
Because apparently the psychological cost of seeing yourself as a thief outweighs the free money for most folks.
And those return rates turned out to be strong predictors of GDP per capita.
So basically, places where people mostly do the right thing when they could get away with keeping the cash end up building richer societies.
Your average American is atomized, and is slowly learning they lose to coordinated actions from ethno-collectivist groups.
And the attempt to make deeply collectivist immigrant groups atomize is failing. Why would they accept a weaker position?