alt Hacker News> Never attribute to stupidity what can be attributed to self-interest.
Interesting. Sounds like a counter-point to Hanlon's razor: "Never attribute to malice that which is adequately explained by stupidity".
I use Hanlon's quite a bit to explain nonsense I see day to day, but this is a better one in some ways. It shift the conclusion of "but if only they were shown the right way" to "they know what they are doing and are looking out for number 1".
I enjoy your thinking! Reflecting further...
Hanlons razor is about motive and "size of mental models". Stupidly small, or comprehensively large.
This other thing you note seems to be about scale being low or high. Individually fine-grained, or collectively coarse-grained.
I suspect mistaking either dimension can result in grossly misinterpreting a situation.
The lowest, most fine-grained level of individual self-interest looks a lot collective stupidity and failure to meet the collective's interests.
Democracy supposely recalibrates from these mismatches. But so do more drastic and unruly options, when democracy has failed.