You are mischaracterizing the top-level comment and presenting a false choice. Nowhere in the original comment did the author suggest that he/she wants someone

You are mischaracterizing the top-level comment and presenting a false choice. Nowhere in the original comment did the author suggest that he/she wants someone else to make your choices for you. They simply pointed out a few common, well-understood failure modes of unfettered capitalism as implemented in much of the western world today, namely unaccounted negative externalities and markets that can't be characterized as efficient with any sort of straight face. It's possible to honestly acknowledge these failures and speculate about possible solutions without being a socialist. But apparently it isn't possible to have this conversation without libertarians asking you if you're a communist for even thinking about possible limits to no-rules-at-all capitalism.