Maybe dont use a gaming card for ai then? 24 is plenty as most games dont use more than half in 4k.
Nvidia have held back the majority of their cards from going over 24GB for years now. It's 2024 and my laptop has 96GB of RAM available to the GPU but desktop GPUs that cost several thousands just by themselves are stuck at 24GB.
This is like Intel and their refusal to support ECC memory; when AMD does on nearly all Ryzens.
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Note: your laptop is probably using a 64-bit memory bus for system RAM. For GPUs, the 4090 is 384-bit. That takes up a lot more die area for the bus and memory controller.
I guess my point is, rather than give the cards more RAM, the gaming cards should just be priced cheaper.