Some ways humans act resemble TDT much more than they resemble CDT: some behaviours such as voting in an election with a negligible probability of being decided by one vote, or refusing small offers in the Ultimatum game, make no sense unless you take in account the fact that similar people thinking about similar issues in similar ways will reach similar conclusions. Also, the one-sentence summary of TDT strongly reminds me of both the Golden Rule and the categorical imperative. (I've heard that Good and Real by Gary Drescher discusses this kind of stuff in detail, though I haven't read the book itself.)

(Of course, TDT itself, as described now, can't be applied to anything because of problems with counterfactuals over logically impossible worlds such as the five-and-ten problem; but it's the general idea behind it that I'm talking about.)