Capitalist, free market economies only work when everyone makes rational financial decisions for themselves, ideally within the confines of the law.
Not correct. They work when the economies ‘tampered’ with to eliminate consequences to individual actions. Think economic Darwin’s Law. Those that make the rational decisions are rewarded.. those that don’t get penalized. Right now, we have something that is almost opposite of that. Those that made irrational decisions are being rewarded and those that made rational decisions are being penalized.