There is an anthropologist-anarchist you might enjoy reading. His name is David Graeber and he writes a lot about how various human societies have dealt with communal and individual obligation in myriad ways outside of the modern capitalist system. He looks into how cops today were often developed to protect capital before consumers/people, and how that underlying issue produced things like debt as a means of control. He is very clear that the system in place produces the individuals within it through structuring interactions. I have started paying attention to when I pay for a service and when I don't, and I am impressed at how often humans are forthcoming with help without any financial transaction. That said, it happens more often in public places or amongst peer groups I've developed in my leisure time. My experience is the farther I live from daily human connection (for example, if I take my car rather than the train or if I live in a suburban house vs. an apartment), the more likely I am to pay for something that would be freely offered if I were in a less isolated position.