I agree with everything you said except that I can make the argument that the default is not Love, it's survival. You will see what the default is when people are starving and all Hell breaks loose. Maybe it's because I've seen some shit in my life but I believe it's a choice, free will as you said. I should probably have been a monster honestly.
Even evil people help each other and a lot of 'bad' people have helped me too. A lot of people use 'helping' as a way to gain control over others keep that in mind.