This is one of those nasty Prisoner's Dilemma type problems where everyone would probably benefit from a collective action in the long term, but it's hard to ag

This is one of those nasty Prisoner's Dilemma type problems where everyone would probably benefit from a collective action in the long term, but it's hard to agree and coordinate when so many individuals derive (smaller and/or short-term) benefit from the status quo. Most societal problems seem to be of this form.