I agree. But an average human won't. A perceived cost increase or to put it more generally a perceived life standard decrease incurs a strong emotion in humans. Let earth and our future be be damned, I want more dopamine in my brain as soon as possible. This is the reason why most people live in debt, instead of an obviously optimal alternative of saving up for your purchases. We evolved in an unstable world, where future was uncertain and happiness now was worth a lot more than the possibility of happiness in the future.