Haha yeah the world is just run by silly fools who make silly mistakes (oops, just drafted a law limited your right to protest - oopsie!) and just random/lucky investments.
> these guys don't know what they're doing, even if tens of billions of dollars are at stake
also known as "never attribute to malice that which can be explained by incompetence", which to my gut sounds at least as likely as a cui bono explanation tbh (which is not to be seen as an endorsement of the view that cui bono = conspiracy...)
I don't actually think (2) is part of the razor[1]. If it is, then it doesn't make sense because (1) is an absolute (i.e. "never") which is always evaluated boolean "true", therefore statement (2) is never actually executed and is dead code.
Nevertheless I agree with you and think (2) is wise to always keep in mind. I love Hanlon's Razor but people definitely should take it literally as written and/or as law.