The problems neoliberalism fails to solve well or at all are those that affect economically useless (or used-up) people who are not physically or mentally capable of making their own basic $ decisions. It just chews such people up if family/social workers don’t intervene.
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There’s no head behind the invisible hand to even harbor such intentions, either benevolent or malicious. The market can no more choose its externalities than hurricanes can choose their path. Being in neoliberal danger zone is like being in Florida for hurricane risk
It seems to me that there are many heads, and that they must either all share certain unwanted properties in common, or else there must be a snowball effect that destroys the ability of even better heads to assess value. Yes, "the market" doesn't have a head. But HR persons do.