Early science in the Renaissance and later, until the 20th century, was almost entirely driven by people who could afford to pursue their efforts while sustained by income that required little or zero direct effort.
Give humanity a chance. It might just surprise you.
They were extraordinary minds and very rare. For 40 years I live among people who receive some amounts of unconditional money. All they invented is how to drink bottle of vodka at once (I can't do that, impressive). Most of humans are lazy, greedy and envy, that's why we need to raise children and show them what is "proper". I do believe in some people. Loans or stipends are better - they create mutual contract, you feel you need to give something in return.
Give humanity a chance. It might just surprise you.