How do we all rise above the level and the shackles of "enlightened selfishness"
We could all become Amish farmers. They pretty much do things your way. The Amish community is their fire, disaster, and health insurance policy. When someone's house burns down, the others come running and rebuild it in three days. And it is all done voluntarily.
The trouble is, we aren't Amish farmers. We rely on free enterprise. And if we outlaw free enterprise by force of law we will not become Amish farmers -- we will become the Soviet Union.
We also aren't a herd of cats. The whine about what happens when consumers hate gougers (apart from any law) is a pretty good measure of the stature of your arguments.