How hypothetical are we getting here? Somehow we live in a world where everyone has infinite resources? Capitalism just distributes the finite ones we have to things that people buy. A government can do that as well, but we don't have a great track record of them being able to buck the realities of where those resources need to go. If there's a UBI, you could end up with more games of the scope of Stardew Valley, or once tools and game engines get to be good enough, you could end up with more games that are feasible to be made by one or two people in a handful of years like that one was. But Baldur's Gate 3, Elden Ring, Zelda...no, probably not. I can't predict the future, but they seem to be impossible to be made by small teams even with magical game engines that automate a lot of work that went in to make them.

Once you get beyond the profit motive, you're now at this point where you need to hire more people. Anything beyond really small teams are going to have a hard time sticking to someone else's vision unless one person is the boss calling the shots; otherwise known as the one with capital, paying those other talented people to work toward that goal. Of the 600 people making Baldur's Gate 3, I'll bet 550 of them disagreed on lots of directions that it went in, and it just becomes an insurmountable problem to wrangle that many people otherwise and keep them on track. If you don't need the money and you disagree with what the boss is doing, you'll just do your own project instead.

Meanwhile, we just got a Titan Quest II announcement, which I'll bet is a reaction to the general direction Blizzard has been going in since Diablo Immortal was announced, much like I was saying earlier. There's also another perspective I'd like to add on here, which proves both of our points. Ryan Clark of Brace Yourself Games, makers of Crypt of the NecroDancer, used to do a YouTube show called Clark Tank, similar to Shark Tank, talking about how to make indie games that make money. Creatives have tons of passion projects they want to make, and you'll never get through all of them in a lifetime. However, you know types of games that you would like to make, that you can observe are also making money, that you're confident you can deliver while they're still popular, so that you can profit, expand, and repeat the cycle. In a sense, passion projects and what the market is asking for via where they're spending their money.