And, the average person's gut morality is not consequentialist but virtue ethicist.

This seems at least partly depending on status. Roughly along a "virtue ethicist -> deontologist -> consequentialist" pathway. (With high IQ people more likely to emulate consequentialist morality cognitively.)

Could you elaborate on that, and/or give examples? I suspect that we're talking about completely different things, but I see a lot of high status, high IQ professions like investment banking that seem pretty well described by the idea that the survivors deserve money because they were tough.