I agree with the sentiment that there are cases where people are lazy about problem solving, asserting essentially that the solution is that the problem ought to spontaneously solve itself. So this quote is a useful approximation. The following is just a nitpick.

Empirically, are there not cases of broad-based semi-spontaneous decentralized collective action that have solved problems? I think they're rare, but real, especially as you get closer to the microlevel. Even within the macrolevel, it's important, because good macro depends on micro. Thinking institutionally would not work, unless individual decentralized people would act in certain useful and/or predictable ways, for example in ways that make institutional action a possibility in the first place, like being willing to cooperate sometimes. And formal institutions are really just a special case of more general things, other things which are not institutions can nonetheless take advantage of similar things to what institutions take advantage of. A sports team can behave somewhat institutionally, and so can a church, or a community, or even a nation. Even without enforcement mechanisms, this is somewhat true - for example, miraculously enough, a non negligible percentage of the population is willing to vote in elections, even without good individual incentives for their marginal vote.