The time thing really resonates with me. I've had this crazy idea rolling around in my mind for a few months. It's basically a sabbatical for the private sector. I haven't devised a good model, but it's like: "we'll pay for a 3 month vacation, you give us equity in return." The main problem, of course, is the incentive to take a risk-free vacation and do nothing.
I think the problem to be solved is: lots of people dream of doing something, but risk aversion stops them from going all in. As a side project, the idea starves. If you could decrease the risk, more people would try new projects, and some of them would be really valuable.
Ironically, I don't want to quit my job to pursue this