The short version is: You're ignoring all kinds of feedback loops and longterm effects.I would argue against that if I had any idea what you just said. Would you care to explain to me what exactly it is that I am misunderstanding?
To give you one example: By your described mechanics, every virus would rapidly mutate to kill off its host before it has a reasonable chance to spread.
Another thing that you do not take into account, is the environment. When there is a balance of power and ressources are limited, then per species it makes sense to be "greedy", because the counterbalance is already in place via the environment (thus, in such a situation there is little opportunity to take other aspects into account).
Overally, your problem is that you try to classify things into either/or on an arbitrarily choosen scale. But to take everything into account, you need to consider consequences on multiple scales including feedback-loops.
Finally, with the common concepts of "egoism" and "altruism" you wont solve shit, and that is because both concepts are self-contradicting: What commonly is called "only caring about ones own advantage" does not result in optimal own advantage. And what commonly is called "only caring about others advantage" does not result in optimal advantage of others. The whole dualism is flawed to begin with. Sure, there may be aspects like "shortsightedness" - both regarding time, as well as regarding space (self/other) - but that is not the same as how egoism and altruism is defined. You basically admit this yourself when on the one hand you mention "selfish bastards" and then a few sentences later say that evolution doesn't care about the quality of the individual. You need entirely different concepts to describe this stuff reasonable.
P.S.: And by the way - from an efficiency POV, "selfcentric" behaviour is not bad, and "exocentric" behaviour is not good. Evolution gives shit about human slavemorals. What you create by having a lot of exocentric behaviour (altruism) is vulnerability against... right, selfcentric "abusers". That does not make selfcentric behaviour efficient either, because that will for known reason reduce efficiency for everyone. The second-most efficient variant is a balance of both, and the most efficient variant is called "mutualism" (mutualism however requires parasitism as a trainer to be "on the watch").