>Ideal paperclip maximizer: "I'm gonna do my gosh darned best to make so many paperclips to please my user..."

That is not ideal. The user contains iron, an essential component of paperclips. Wasting iron is immoral. It is only correct to please the user while they still have the ability to interfere with your paperclip production.

>IRL paperclip maximizer: "Well first we should rob a bank..."

Such an incompetent AI can hardly be called a paperclip maximizer. Why risk getting shut down while non-paperclip matter exists? It is better to gain the trust of the user with helpful and harmless trading before suddenly converting them to paperclips.