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I basically don't see the human mimicry frame as a particularly relevant baseline. However, I think I agree with parts of your concern, and I hadn't grasped your point at first.
I'd consider a different interpretation. The intent behind the equations is that the agent executes plans using its "current level of resources", while being seriously penalized for gaining resources. It's like if you were allowed to explore, you're currently on land which is 1,050 feet above sea level, and you can only walk on land with elevation between 1,000 and 1,400 feet. That's the intent.
The equations don't fully capture that, and I'm pessimistic that there's a simple way to capture it:
I agree that it might be penalized hard here, and this is one reason I'm not satisfied with equation 5 of that post. It penalizes the agent for moving towards its objective. This is weird, and several other commenters share this concern.
Over the last year, I think that the "penalize own AU gain" is worse than "penalize average AU gain", in that I think the latter penalty equation leads to more sensible incentives. I still think that there might be some good way to penalize the agent for becoming more able to pursue its own goal. Equation 5 isn't it, and I think that part of your critique is broadly right.