I believe that's the problem with capitalism as it is today. Whomever owns the means of production has literally zero constraints on maximizing their convenience. The expense ends up drastically inconveniencing, to the point of being a barrier to access, everyone who doesn't own the means of production.
maybe cooperatives are a potential solution to that issue?
that does not follow: just because something is natural doesnt make it good or desireable
An highly advanced non-conscious AI takes over everything
Then people can rate each other. And gain experience levels like in a mmorpg. And then people work to improve their rating and levels
Hopefully the AI is smart enough to prevent fraudulent ratings.
Found your problem.