[bisonbison]

I like the way you frame the argument, but there is no genetic or behavioral basis for this particular statement... in fact it's one of the most commonly used arguments for capitalism that is really wrong and relies on most peoples' ignorance of cultures and modes of production that are not capitalist. If everyone was 'naturally' a capitalist we wouldn't have to impose it by force on indigenous populations.

I'm using the term 'personal' to argue for a more expansive, non-financial meaning of capitalism.

Sane people are, by definition, rational emotional actors. Financial gain or hardship is just one factor in the multivariable emotional choices that underlie every decision and action we make.