To expand on this point - individualistic culture doesn't necessarily mean that individual wants to harm others or himself. It's just that's not a highest priority. So yes, in the chaotic driving people manage to not kill each other most of the time. But it doesn't make it cooperative per definition. It's carefully adversarial more like. For example a pedestrian crossing the road will never see a driver braking and stopping to allow him to pass. Such action gives no immediate benefit to the driver and is only possible in the cooperative culture. So instead pedestrian and driver are not collaborating and just hope to wing it somehow on the spot. And if pedestrian is not moving predictably, it's not a driver's problem.

Or worker rights for example. Maybe one can hope to negotiate a better salary for himself if everyone is secretive and individualistic all the time (the temporary embarrassed millionaire trope), so no one pushes for unionization and worker rights and benefits together. Stuff like that.