If people were rational we wouldn't need money in the first place. Everybody would simply cooperate in order to maximize the benefit shared by all. We see this sort of behaviour in eusocial insects like bees and ants.
Most other species don't have this sort of genetic makeup, so it wouldn't be rational for most of us non-Hymenopterae to mimic the social order of such insects.
I think you're trying to make an argument based on the game theoretic definition of "rational" rather than the common definition of rational which would correspond to game theory's "superrational". That is, a rational choice based on the common knowledge that all others are following the same playbook. Sure, hymenopterans have a better genetic incentive to favour superrational behaviour but that doesn't stop upstart queens appearing in a hive (and often getting destroyed, but not always).