Great, so we are in agreement. I was confused because: > Often the choices made by "the individual" don't account for externalities that aren't built into the

Great, so we are in agreement. I was confused because: > Often the choices made by "the individual" don't account for externalities that aren't built into the price... You put "the individual" in quotes as if to critique some sort of free-market system based on individuals, and I wanted to emphasize that the system we have can solve those problems.