> TL;DR you think the problem is institutions and authority,
Actually, I explicitly stated that I think the problem is humanity itself. Institutions and authority are one of the few things that keeps behaving well. Whether you are in the urban sprawl of Detroit and the luxurious gated community of Bel Air, if electricity and water are out for more than 2 weeks and there's no authority around (police, security, etc), things are going to get very ugly.
Actually, I explicitly stated that I think the problem is humanity itself. Institutions and authority are one of the few things that keeps behaving well. Whether you are in the urban sprawl of Detroit and the luxurious gated community of Bel Air, if electricity and water are out for more than 2 weeks and there's no authority around (police, security, etc), things are going to get very ugly.