> There's a point where it's not immoral to leverage systems available to you to land yourself in a better situation.

That sounds loaded with a lot of value judgment. I don't think it's inappropriate for you to suggest it, but I think you'll find that a lot of people who value equitability, collaboration, communalism, modesty, earnestness, or conservation of resources might not share that perspective with you.

It turns out that people just disagree about values and are going to weigh judgment on others based on what they believe. You don't have to share their values, but you do kind of just need to be able to accept that judgment as theirs when you do things they malign.

I live in liberal cities. Nearly every car drive and bicycle rider has the attitude "F everyone else, I'm going to break every law if I find it inconvenient to myself. Who cares if it affects others"

This is not in alignment with "equitability, collaboration, communalism, modesty, earnestness, or conservation of resources"

People claim those values but rarely actually follow them.

What is the honorable value that leads to "I'll get mine screw everybody else"?