[joshdick]

This is partially a collective action problem. It might be socially optimal for people to take more risks working on crazy ideas, but for individuals there's less risk in working for a large corporation on incremental improvements.

[igorkraw]

Which would be fixable with a UBI. Make it feasible for everyone to live a life of failing at high risk endeavours, not just the privileged ones

[jahewson]

UBI is hardly sufficient to fund most high risk endeavours.