It's still a choice being made. People choose to live where they live. They could choose to live elsewhere.
What is the best alternative to that choice? You can’t answer since you aren’t the one in that position.
Frequently it is the least bad among a bunch of choices.
Choosing to go into crippling debt to pay cancer treatment bills is a choice too, but only a moron thinks the blame should be laid at the feet of the patient for making that “choice”.
Free markets (and the associated "invisible hand") only work when choice is truly available, not purely theoretical.