The humans making the cost/benefit analysis are largely the ones whose cost is actually external. I certainly wouldn’t do the same math, but I’m not casually enriching myself by making people sick. The people who buy their products are largely their victims, not their accomplices.

Nearly everyone does NOT own the means of production, and the few who do know exactly what’s wrong and keep on doing it to everyone but themselves until they’re forced to stop. Maybe someday we’ll realize that too.