Honestly as a human being I think you also have to be careful what you're optimizing for. This is a nice framework if you're thinking about survival and to some degree career, but as human beings we also have a very complex psychology and those problems are mostly "solved" to some degree for many of us. Money and careers are obviously important to some extent, especially if you're struggling to pay rent or eat, but beyond that if this is the only framework guiding your life, you could easily make a bunch of money and still end up miserable. Treating ourselves as economic units maximizing utility I suspect is a big part of what has exacerbated societal ills like alienation and depression.