When you say that those unable to work "have to rely on voluntary charity" it is functionally equivalent to saying that people should be left to starve when others don't have extra money (IE - During a recession). She was either a short-sighted simpleton who couldn't see that, or evil enough to see it and ignore it.
You're engaging in a false dichotomy. The possibilities are not "Rand was a dum-dum" or "Rand was evil". There's also the (very likely) possibility that either she was wrong, or you are wrong (and yes, you could be wrong in your analysis even though I don't blame you for not thinking you are), through no fault of character. These sorts of big issues are hard to analyze and get right.
"She wanted to let kids die from accidental drownings so she'd be able to have a pool."
vs
"She wanted pools to be legal."