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@volkris @freemo @avlcharlie I agree with your other comment.

My diagreement is not with the current calculation of the costs. I claim that any explicit calculation by default (due to the complexity of the real world) excludes some implicit aspect that optimisers then readily ignore.

Also, utility is not only contextual, but subjective. To someone a million dollars might be enough to secure a lifetime, to someone else it could be enough to buy a house, to a third person, it might mean buying some nice nice stuff to show off.