[rpmisms]

Capitalism is less naive in that it does not assume good faith. That's a huge difference.

[sangnoir]

Instead, it naively assumes rationality

[q-big]

It does not assume rationality. Rather, the assumption is that rational behaviour is of your advantage, which is in my opinion a very sensible assumption.

[robertlagrant]

I would say it aligns rationality and responsibility. You want to spend your own money badly? Fine. You just don't get to spend everyone's money badly.