He becomes an individual because the desire to make money releases his energy and intensifies his personal initiative.

The kind of individuals created by such an economic system are not distinguished one from another by any special purpose.

They are distinguished by the energy and success whereby the common purpose of making money is accompanied and followed.

Some men show more enterprise and ingenuity in devising ways of making money than others, or they show more vigor and zeal in taking advantage of the ordinary methods.

These men are the kind of individuals which the existing economic system tends to encourage; and critics of the existing system are denounced, because of the disastrous effect upon individual initiative which would result from restricting individual economic freedom.
But why should a man become an individual because he does what everybody else does, only with more energy and success?
The individuality so acquired is merely that of one particle in a mass of similar particles.
Some particles are bigger than others and livelier; but from a sufficient distance they all look alike; and in substance and meaning they all are alike.