I don't know what you think a link from a commercial financial services firm shows. I guess you are conflating the business cycle with human history? Anyway what I am trying to show you is that history is the story of class struggle. It is far more complex than a simple cyclic pattern can explain and requires a the use of dialectic to evaluate. In the case above I was referring to dialectic materialism to analyze this segment of history.
http://en.wikipedia.org/wiki/Dialectical_materialismFeudalism is a decentralized system that arises when central authority (the Roman Empire in the case of Earth history) can no longer perform it's functions and can no longer prevent the rise of local powers. The Romans came to point where they couldn't deal with the rise of the barbarian tribesman and fell, with the rise of feudalism being the result. But it is wrong to say that feudalism is development of tribalism. It is not.
You seem to be concerned about the free rider problem. I can assure you it is an imaginary issue. A the effect of free riders is negligible. That is really a nonissue in any economic system that is equitable and nonexploitative. Free riding is the excessive use of a public resource. In an equitable system there is no incentive for such behavior.
Most current conservative thought references idealism as it's philosophical basis, thus it's explanations of the world generally don't hold up to scrutiny very well. They aren't explaining the way the world works, but how the world should work. If you adopt some version of realism as your philosophical basis your analysis of history will become much more astute.