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The point about IQ is definitely worth worrying about. But the idea of moralizing a person with low conscientiousness as particularly f-cked (implying that they have gotten an injust dessert) seems odd to me. I have seen several sociological studies linking high conscientiousness with high income and other good economic/ health outcomes. To me it seems that not having the characteristic trait of "wishing to do what is right, especially to do one's work or duty well and thoroughly" would have predictable bad outcomes, and there is nothing other than changing your approach that would result in anything otherwise. There is no injust dessert; there is only reality here.
Even with government/charitable intervention that is both well-intentioned and well-designed, those who are not conscientious will lag behind.
Edit: this particular comment has led me to a fair bit of introspection. Perhaps a Utilitarian formulation would be a good way to state the problem. Let's build a hypothetical world with two (otherwise equal) groups. A Utilitarian might explain the two populations (the conscientious and the unconscientious) as follows: a group that has a high utility associated with (aka highly values) good outcomes, and a group that has a low utility associated with (aka does not highly value) good outcomes. This definition is of course viewed through the lens of what we define as a good outcome.
If we let the two groups act out their personalities over time, one could say that the resulting outcomes are simply the two groups expressing their preferences. When the unconscientious group sees that the conscientious group has built better outcomes for themselves, how do we express the morality of this situation?
