In the middle of heated policy debates, projections of cost to industry and government fly thick and fast. If costs to citizens are mentioned, it's usually in their capacity as taxpayers, as though they weren't otherwise part of the economy. A couple examples from the global warming policy arena put this into sharp relief in a way that emphasizes the urgency of providing affordable health coverage to every American.
First, there's David Roberts' explanation (... with puppies!) of how the Congressional Budget Office undercounts the benefits of lower energy costs from efficiency. Their method counts the promotion of energy efficiency as a cost to the taxpayer, but not a savings to the ratepayer, as though you can make an absolute separation between people who pay taxes and people who pay utility bills.
That may make sense from the CBO's perspective, but not from the perspective of electricity-using members of the public trying to figure out whether new energy legislation benefits them.