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This is a very incisive and insightful take and really distills some large cultural differences between Americans and Europeans down to its essence.

Can I ask if you are American or European? How did you come about this insight?

Born and raised in South America. Lived in the US for ~5 years (2008-2013). Living in Germany since 2013. :)

I would also posit that this inclination towards individuals over institutions in the US extends to Central and South America.

definitely not Brazil, at least