The Kapton on the descent stage was in the form of multilayered blankets. The visible outer layer was a "second surface mirror", i.e., the thin aluminum layer was on the inside, which is why they appeared gold instead of silver. Kapton has an emissivity of essentially unity, so it appears black in the far infrared. So while the aluminum reflected the sunlight that passed through the Kapton, the Kapton itself absorbed significant thermal radiation from the lunar surface and became warm.
This is why there were multiple layers. Each was crumpled to minimize heat transfer by conduction and the aluminum coatings blocked transfer by radiation (they're in vacuum so there's no convection - think of a Thermos bottle). The overall effect is to thermally decouple the structure inside from the environment, so any heat-generating equipment (e.g., the batteries in the descent stage) had to be actively cooled with a pumped heat transfer loop. That heat was dumped in the form of steam from the top rear of the ascent stage.