There is always going to be a problem when we must judge value. You mention gains, short and long term.

Knowing whether something is valuable, a gain, requires a judge. I the case of these tests: the judging is inadequate.

In economics, each of us plays the judge by choosing whether or not to pay for a service. The decision was yours: if you gave money, you must have deemed the service valuable.

There's no such judgement with these model tests. The only judgement is the final score.