> Or are we chalking it down to just missing morals?

Surely it's this, right? I just had what I would consider an intelligent conversation with someone wherein we eventually settled on a core ideological difference between us is that I thought all humans have equal value (infinite and immeasurable), while he believed a human's value is only as much as said human can generate money within capitalism (basically, if their salary or net worth is low, they must not be very valuable people, and we shouldn't do things for them like give them healthcare).

I think it's a bit of a dangerous fallacy to assume that intelligence naturally leads people to arriving at your own personal ideology. There were plenty of highly intelligent Nazis or Imperial Japanese. They either didn't care about the regimes they supported or leveraged their intelligence to rationalize it (requiring fallacy to do so of course - or perhaps not, if they really did just want their subgroup to dominate all others and believed it was possible to do so).

For me it's not smarts alone to define my value system. It can't be purely rationality, since the premise of deciding good and bad is subjective and dependent on what you value. You can argue these things rationally and use logic to determine outcomes, but at the end of the day there's a messy human brain deciding good/bad, important/not important, relevant/not relevant.