> I think this is one reason it is important to cast unethical behavior in terms of lack of competency

That will result in feigned virtue and Pharisaical letter-of-the-law sophistry. You can't secure morality by system and incentive alone, as important as these may be (the law is a teacher). Indeed, if you try to attain virtue by appealing to crooked desires, then you've already subverted the very preconditions of the moral life.

But I will say this: today, we often view morality as some made-up "rules" and artificial constraints that usually don't have anything to do with much of life. Being intelligent is often seen as opposed to being good: the good man is imagined as a chump, while the intelligent man is crafty. But that's just an expression of ignorance, including ignorance of what is actually good for human beings. It is not good for a man to be immoral. Immorality is self-harm.

Morality is a matter of every decision we make. Ethics is practical philosophy concerned with how one lives. Every decision is a matter of morality. When making a decision, why choose one way or another? Well, at the very least, we make what we take to be a good or the best choice. Of course, the immoral man presents something bad or worse as good or better in his own mind in order to be able to choose it. That's why people rationalize the evil choices they intend to make. But the aim and orientation of the will is the good, and so the evil man must first bullshit himself.

In that sense, to choose the good is to choose wisely which is indeed a kind of competence that requires knowledge, wisdom, and humility (which is to say, a sober view of reality, and that includes oneself). Indeed, the first classical cardinal virtue is prudence, which is the habit (as in possessed and actualized excellence) of being able to determine the right decision in a situation. And the right decision is always a moral one.

Prudence itself is the cornerstone of the remaining cardinal virtues: one cannot be just without first being prudent; one cannot be courageous without first being just; and one cannot be temperate without first being courageous. You need to know what is right before you can be just, as what is wrong is never just; you need to be just before you can be courageous, as bravado or recklessness are not courage; and you need courage to be temperate, as you cannot act as you ought if you don't have the courage to do so.

So, what we really need is an authentic moral education and a culture that ceases to fear a robust and sound morality rooted in the objectively real, because it sees it as a threat to its misguided notion of "liberty". We must reconnect with classical tradition so that we can profit from its insights and its wisdom and return to a dialogue spanning centuries and millennia. We cannot do it alone, and things will never be perfect, but this will give us strength to face the immorality of the world - and above all, in ourselves - and a foundation for a healthier culture.