I definitely interpreted the model like this, in that I was assuming all the costs and benefits are included by default:
Yes, I agree that you can interpret the model in ways that avoid this. EG, maybe by sleeping on the floor, your bed will last longer. And sure, any action at all requires computation. I am just saying that these are perhaps not the interpretations that people initially imagine when reading the paper,. So unless you are using an interpretation like that, it is important to notice those strong assumptions.
I definitely interpreted the model like this, in that I was assuming all the costs and benefits are included by default: