Unlearning the destructive teachings of our state funded (stolen property funded) "public" education systems.
Your analysis is good, up to a point, but misses the ultimate truth. Everything you described as what we ought to do, low time preference, moral living is exactly what God has told man how to live a good and righteous life. It is the "invisible hand" Adam Smith wrote about. It is God's way. If you want to learn more about it, just read, and understand, the Bible.