I don’t think it’s dumb at all. Humans cannot survive without the protection of a tribe. Just try doing a startup in Somalia.
That's utter fear driven rubbish. Humans survive and thrive all the time without joining a group.
There are some survivalists who may or may not be able to operate for a while on this basis, but even if they aren’t “joining” a tribe, they are protected by tribes. get rid of all the tribes, and new ones would spring up and we’d be back to this.
The largest tribe is currently that which accepts a commonly defined currency in exchange for providing value of some sort.