most believe that people are irrational in ways that should make people money pumps

I think that most people are (unconsciously) rational enough to avoid being financially exploited in any but the obvious known ways (lotteries, advertising affecting preferences, etc) for which there's already a competitive market or regulation. Aside from those avenues, most people are too wary of being cheated to make good money pumps.

What's not being covered as much are the ways that people irrationally contribute to the destruction of wealth and utility, by voting for ineffective or detrimental policies or by spreading harmful memes. (People don't typically have an evolved horror of doing these things.) A push towards rationality on those fronts can help everyone.

If you disagree, do you have a particularly effective money-pump in mind? (Of course you might hesitate to share it.)