If it were true that recycling plastic were better for the environment, but was a financial loss I'd be for it. I'm not sure this is true, but the point is that purely financial considerations miss the bigger picture here.
As other HN posters have pointed out, it seems that fewer disposable plastic containers is the better path here. (really, as few as possible!)
Similarly: I have a friend who recently told me they were trying to get away from using disposable paper towels and instead use cloths. Again, this episode immediately came to mind. I couldn't help but wonder if the amount of energy, detergent, etc used in washing the reusable towels was _worse_ than simply using paper towels.
I don't know that there is any true way to definitively answer either of these questions. There's just SO MUCH involved, that you can go down a million rabbit holes (the manufacture of the washer uses X, the design required a team that required an office that was built inefficiently, etc). This is currently a premise on The Good Place: no matter how hard you try to be the best possible person, you can't control the entire pipeline of ramifications.
Many things do not need hazardous detergents to clean. If something is sufficiently dry, it can easily be sterile enough to be considered clean. And so, a gross-looking rag might not necessarily be unhealthy. Further, people could just own "categories" of rags: one for cleaning the house, one for work with cars and machinery, one for biological use, etc. And each of those could be treated separately so as to reduce chemical usage.
I'm not confident people would ever do this, instead just that avoiding some of these problems is not conceptually difficult. That's more of a problem of behaviorism and consumerism. (and, as you point out, education)
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I do agree with your point, though. Apparently you can compost paper towels, too. So as long as you're not cleaning anything you can put on your lawn, you don't even need further transportation costs to dispose of or recycle.
It’s sort of like the “bargain” of cryptocurrencies: what promotes long-term GDP growth more, bank fees or massive electricity use? Crypto miners are hurting the environment right now; but they pay for their own externalities. Banks impose fees that lower net productivity in a way that might mean that the companies/technologies that we need to reach sustainability take longer to come into existence. So will we be in a better place with 100 years of crypto mining + 100 years of an economy [including green industry] that was spurred on no bank fees; or vice versa? The question doesn’t have an immediate, intuitive answer.
A stupid but weirdly-precise analogy: when playing an RTS like Starcraft, anything that slows down your “economy” (mineral mining) prevents you from “teching up” as quickly as your opponent. In humanity’s case, our opponent is Malthusian resource starvation (in the small—of individual resources) and habitat loss from climate change. Anything that slows down our economy from “teching up” to face these problems, for a reward of merely moving around in time our ability to use our resources (rather than decreasing permanent losses/increasing permanent gains of resources), isn’t really worth it, if we’re “racing the clock.” (That’s a big, hotly-debated “if”, of course.)
Assuming they have the same cost, bank fees promote more GDP growth, hands down, at any time horizon.
Money simply changing hands will always beat money changing hands with added useless usage of resources and labor.
And that's not even considering the reality, that average electricity costs of a BTC transaction are orders of magnitude expensive than the average bank fees on money transactions.
replace tax with any other way of artificially increasing the financial cost of plastic if you don't like taxes.