I suspect the situation is vastly more complicated than that. Revealed preferences show the contradiction between stated preferences and actions. Misaligned incentives models (a part of) a person as a separate agent with distinct short-term goals. But humans are not modeled well as a collection of agents. We are a messy result of billions of years of evolution, with some random mutations becoming meta-stable through sheer chance. All human behavior is a side effect of that. Certainly both RPT and MIT can be a rough starting point, and if someone actually numerically simulates human behavior, the two could be some of the algorithms to use. But I am skeptical they together would explain/​predict a significant fraction of what we do.
I suspect the situation is vastly more complicated than that. Revealed preferences show the contradiction between stated preferences and actions. Misaligned incentives models (a part of) a person as a separate agent with distinct short-term goals. But humans are not modeled well as a collection of agents. We are a messy result of billions of years of evolution, with some random mutations becoming meta-stable through sheer chance. All human behavior is a side effect of that. Certainly both RPT and MIT can be a rough starting point, and if someone actually numerically simulates human behavior, the two could be some of the algorithms to use. But I am skeptical they together would explain/​predict a significant fraction of what we do.