kind of a different answer but it really comes down to "politics and religion":
namely with politics, the lack of freedom which leads to more poverty and less ability to take risks to create things (so people insulate to prevent risks in a vicious cycle)
and with religion the lack of shared values as might have existed in the USA for example as we go back each decade (which leads to frequent conflict and questioning of different values in conflict and the inability to form more groups and relationships)
namely with politics, the lack of freedom which leads to more poverty and less ability to take risks to create things (so people insulate to prevent risks in a vicious cycle)
and with religion the lack of shared values as might have existed in the USA for example as we go back each decade (which leads to frequent conflict and questioning of different values in conflict and the inability to form more groups and relationships)