Incentives rule.

Steinbeck wrote in East of Eden:

"I believe there are monsters born in the world to human parents. Some you can see, misshapen and horrible, with huge heads or tiny bodies; some are born with no arms, no legs, some with three arms, some with tails or mouths in odd places. They are accidents and no one's fault, as used to be thought. Once they were considered the visible punishment for concealed sins

And just as there are physical monsters, can there not be mental or psychic monsters born? The face and body may be perfect, but if a twisted gene or a malformed egg can produce physical monsters, may not the same process produce a malformed soul?"

I concur.

But the overwhelming majority of human beings are born kind and with an instinct for cooperation.

My experience confirms this, and I think it's logical.

But when evil men are allowed to design institutions that dictate incentives, mosg people also have the capability of acting in malevolent ways. 

That's also logical and in line with my experience.

Now, I'm not going to discuss this with you.

You might find something useful in Bregdan's book.

At least it won't hurt you.

And it's well written