People with the money, time, and luxury just are not capable of solving it, as they exist in ivory towers far away from real problems, and can not fathom investing in people outside their circles with solutions.
I'm saying the solution to many "unsolvable" problems might just be in the brain of an unknown person operating within the drudges of wage slavery, like a Subway worker for example [1].
There are countless unqualified people wielding an "infinite source of free money" already. Why should they, while others are left to rot? Why are we all okay with their autonomy to use "free money", players winning in a made up game they created, while others are crushed by the weight of survival?
Most people don't need infinite money. They just need enough to survive and be happy, while also have a direct stake in the fruits of their labor instead of having to turn over all their fruits to people who have free money. An exchange of survival for someone's life work is not an exchange worthy of even considering.
This suppresses innovative solutions across the board. It saps away the energy and motivation people have to contribute their solutions. It is an underlying mechanism to a modern dark age.