In response to the idea that morality originated when subordinate members o
f groups banded together to constrain more dominant members, I argue that a
more general function of morality is to uphold systems of cooperative exch
ange ever threatened by the temptation to contribute less than one's share
and to take more than one's share. Humans inherit biologically-evolved disp
ositions to behave morally, that is to say to uphold systems of cooperation
, and to behave immorally, that is to say to exploit the systems of coopera
tion from which they benefit. We are as moral as we need to be to reap the
benefits of cooperation.