> Looking back at the millennia of human history, we've always formed communities, always assumed more-or-less specialized roles, and always used some form of debt to manage the social fabric and facilitate the exchange of goods and services.
I would say it is the opposite. Looking back at the millenia of human history, it is people migrating. Successive waves out of Africa and across the continents, and everywhere else, constantly moving in order to live more "free". Whether that is for more resources, or away from conflict within a family or tribe, or from without, with organized religions and governments, etc.
Only recently have we stopped because, frankly, there is no place to go. We can still move around cities and countries (and that can help if you are escaping family or tribal issues), but most of the places we can go to are largely the same. If you have a problem with this economy, the proliferation of petro chemicals and other toxins, etc, there isn't really anywhere you can go to escape.
The folks who leave or want to leave are often characterized as losers, loners, etc, and from the point of the view of the people who are happy with the situation that they are trying to escape, they are losers- but that is exactly why they are trying to escape.