A furry living in Berlin
I wish I'd thought of that with my mother's dementia; I noticed a similar effect on the scale of minutes (hers was already quite severe by the time of the diagnosis), but I didn't plan anything and I didn't take enough notes at the time, so all I have for this is the anecdote.
Assuming all is correct, isn't the answer therefore: "at least one of these assumptions must be false"?
(Personally I have long suspected that free markets are a gross oversimplification, but I'm not an economist; and even if I was, with those three options I've got reason to wish for that specific option)