Thanks for asking! I'm going to oversimplify, so please, feel free to ask for elaboration!
For starters, I generally agree that values like freedom and agency are important. I personally believe that this isn't a choice we can make, though, but is a product of our material conditions and resources. The best path to happiness is to improve production and to do so along a cooperative and democratic plan.
The reason I am a Marxist (specifically ML) is because Marx simply makes the most compelling arguments for how to get there, and why, as well as the existence of real Marxist aligned societies we can see in action. His observations like markets naturally centralizing and developing the tools for planning makes sense, we just need to nationalize large firms and key industries, and gradually fold the small firms in as they grow into large firms.
What you describe as a problem may happen, but not likely at a systemic level in a manner that cannot be addressed.