You can also construct deontological models for any utility-based agent (the right action is always that which maximises utility). Virtue ethics is a bit hazier, but you can certainly have ethics where maximising utility is virtuous.

And when people purport to explain human behaviour on small bets through risk aversion on a utility function, they do not say "here is a two billion line utility function that encodes behaviour" but "people have utility functions concave in money".