I don't know what you mean by "naive utilitarian." Do you mean someone with genuine good intent for altruism? So that option A is SBF had good intent and used fraud as a tool for altruism. And option B is SBF had bad intent and used altruism as a tool for fraud.
I think it's option B. First, he has a lot of other characteristics of a sociopath with bad intent. These types are typically extremely charismatic and skilled at leadership, group mind control, and manipulation. Lots of people are saying they were enthralled by him and impressed by his charisma. Same as a cult leader who are typically sociopaths.
Second, he was blowing a ton of money on personal extreme luxury like high end real estate. That money could have been donated instead of spent on himself and wealthy family/friends.
I don't know what you mean by "naive utilitarian." Do you mean someone with genuine good intent for altruism? So that option A is SBF had good intent and used fraud as a tool for altruism. And option B is SBF had bad intent and used altruism as a tool for fraud.
I think it's option B. First, he has a lot of other characteristics of a sociopath with bad intent. These types are typically extremely charismatic and skilled at leadership, group mind control, and manipulation. Lots of people are saying they were enthralled by him and impressed by his charisma. Same as a cult leader who are typically sociopaths.
Second, he was blowing a ton of money on personal extreme luxury like high end real estate. That money could have been donated instead of spent on himself and wealthy family/friends.