But maximizing your personal profits is doing what you must to survive, and even then it might not be enough. No matter how efficiently you optimize your investments, at least on my income or equivalent, or (as horrific as it is to imagine) less income than me, one bad ambulance ride can put you into crippling debt from which you will never recover. Under capitalism, you're never secure unless you're literally a capitalist. A worker like me cannot amass enough of a safety net to be 99% safe such that further optimization of income ceases to be justifiable as necessity and becomes unnecessary seeking of profit.