There are tons of things I would like to do, that I could afford to do, but that I still won't do if I have to bear the whole financial risk myself. I'm sure that's true for a lot of people.
It offends and infuriates me that you don't see any value in the creation of new technology other than "give me interest". Your species of cynical profiteering is the reason we have freewheeling boom and bust cycles with no significant social benefit.