See I think you just underrate people too much and what they are capable of. While raw intellect will always play a factor, I see most peoples advantages and/or limitations as being in the way they think more so than their max thinking capacity.

I also hold max thinking capability to be informed by education particularly early education, and not totally determined by genetics.

But I do see now why you do and cannot trust any liberal market system to work. If you hold only a very small portion of the population as being capable of even tying their own shoes, then I suppose the natural humane response is some sort of totalitarian system of perpetual bread and circus.

For who could be free when every other man's humour might domineer over him? - John Locke (2nd Treatise, sect 57)