算法时代消费自由是真实还是幻觉？研究揭示三类制约因素如何导致财务崩溃。

Consumer agency in the digital age is increasingly constrained by systemic barriers and algorithmic manipulation, raising concerns about the authenticity of consumption choices. Nowadays, financial decisions are shaped by external pressures like obligatory consumption, algorithmic persuasion, and unstable work schedules that erode financial autonomy. Obligatory consumption (like hidden fees) is intensified by digital ecosystems. Algorithmic tactics like personalized recommendations lead to impulsive purchases. Unstable work schedules also undermine financial planning. Thus, it is important to study how these factors impact consumption agency. To do so, we examine formal models grounded in discounted consumption with constraints that bound agency. We construct analytical scenarios in which consumers face obligatory payments, algorithm-influenced impulsive expenses, or unpredictable income due to temporal instability. Using this framework, we demonstrate that even rational, utility-maximizing agents can experience early financial ruin when agency is limited across structural, behavioral, or temporal dimensions and how diminished autonomy impacts long-term financial well-being. Our central argument is that consumer agency must be treated as a value (not a given) requiring active cultivation, especially in digital ecosystems. The connection between our formal modeling and this argument allows us to indicate that limitations on agency (whether structural, behavioral, or temporal) can be rigorously linked to measurable risks like financial instability. This connection is also a basis for normative claims about consumption as a value, by anchoring them in a formally grounded analysis of consumer behavior. As solutions, we study systemic interventions and consumer education to support value deliberation and informed choices. We formally demonstrate how these measures strengthen agency.