I think mutual aid organizations and friendly societies of various kinds among American immigrants (at least historically) benefited from a strong selection effect: people willing to immigrate to a faraway country without a welfare system in pursuit of opportunity and wealth. That population is highly self-selected for work ethic, risk tolerance, and self-discipline. Those values probably stabilize social dynamics and minimize the wealth immolation and tall-poppy effects described in the article.

In other words, if everyone in a mutual aid society is a crab who crossed half the world and an entire ocean to escape the bucket, eventually said crabs stop acting like you'd expect crabs in a bucket to act, and their social dynamics are consequently less suffocating.