Well, when IQ was invented, it was assumed that well-adjusted people generally had higher IQs, and since there -are- people with incredably inhibited mental capability, and those people -are- considered neurodivergent by definition, it was assumed that high functioning neurodivergent people must also be “mentally deficient” if they can’t function properly in society, with some exceptions to savants who were recognized as being so highly capable in their field that it compensated for their “stupidity” in common matters. It’s also noteworthy that public understanding of mental health disorders pre-80’s boiled down to “r****d” and “schizo.”
Underlegislation leads to a bloated, extortionate upper crust that weilds disproportionate power over those who rely on said financial system. There is a balance, and the problem you outline is the lesser of the two extremes.