So America's culture of individual liberty is why people don't have the freedom to build whatever they want on the land that they own?
Yes, that’s exactly right. Maximal ‘individual liberty’ is my right to maximize my land’s value. My neighbors either agree to maximize theirs in a way that increases, or doesn’t hinder, mine, or they are my enemy to be litigated to death by my lawyers for damages.
American's culture of me, me, me, now, now, now is why.
If it doesn't benefit the individual almost immediately they're strongly opposed.
They want the benefits of strong infrastructure but let someone else build it without inconveniencing ME or costing ME a dime.
It is a culture that teaches greed is good and society should be built around all gain no cost.