It has been claimed on this site that the fundamental question of rationality is "What do you believe, and why do you believe it?".
A good question it is, but I claim there is another of equal importance. I ask you, Less Wrong...
What are you doing?
And why are you doing it?
I'm not sure that beliefs don't generally have utility. It seems to me that beliefs (or something like beliefs) do a lot to organize action. There's a difference between doing something because of short-term reward and punishment and doing the same thing because one thinks it's generally a good idea.