faul_sname comments on When is Winning not Winning? - Less Wrong Discussion
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It seems the OP thinks that the right game for the group as a whole and the right game for the individuals within that group are different. So if it's up to the individual which game to play, they will play the one that benefits them and the group will lose.
Humans aren't purely selfish. If we all play our individual game, the group will do just fine. As evidenced by the fact that we are even talking about the group as if it matters.
Even with selfish agents, the best strategy is to cooperate under certain (our) conditions.
In game theory, whether social or evolutionary, a stable outcome usually (I'm tempted to say almost always) includes some level of cheaters/defectors.