I remember when I was 18, trying to earn my way through college, scrounging by on less than minimum wage because I was paid under the table. Living in a flat with 8 other people to make the rent math work.

Foolish me for not just becoming a shareholder. I definitely had the spare time between the $7k/year I was making to take that risk and not die of starvation.

Your world would be great if I had a guarantee of food, water, a bed, basic medicine, etc. I'd love to have had the ability to throw my time at a risky innovative project. But, I didn't. If I had, and that project failed, I would have literally died. Downsides are too big in this capitalist world for anyone to just become a shareholder.