Do you really think it would stabilize like that? As evolution in the physical sense, social evolution also would find it's own equilibrium. When you leave the choice to the people, these "few moochers" would profit while comparatively the honourable and loyal (to society) would take a loss. The social structure would not stay stable, while favouring mooching yet punishing loyalty. These moochers would grow more numerous as they have more resources to expand themselves social and physically. Thus they will being to have more "pull" in a social sense. They will influence others, with ease, using their own objectivist teachings of self-interest and self virtue.
