Why?
Because you only know someone's loyalty after the fact.
How do you "predict" loyalty?
Make people put skin in the game.
You will know.
Why?
Because what's your value.
Idiots are immune to skin in the game forward filters.
This is how you know them.
They buy into anything and everything without value in return.
The loyalty of an idiot will cause you more harm than the disloyalty of a non-idiot. Filter accordingly.
One reason is the hubris (stupidity) of intellect - that makes intellectuals easy to con.
The bigger reason is that idiots are more dangerous and unpredictable. They often don't have the imagination to buy the con.