Today, only very few people with a solid financial background can afford to work on big ideas. What a waste! Think of all those geniuses out there who can't just afford to take the time to read a book because they have to work so hard to feed their families!
I also want to argue, that merely the knowledge that you can't completely fail in your working life will cause a huge benefit for public health, physical and mental. I would bet that many diseases would just disappear, due to the lowering of the general distress level.