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It's worth pointing out that the vast majority of innovation comes from students, researchers, and people working in tech, who, alongside their generally higher education, also aren't working 9-5, on-site jobs.
Innovation is not only new products, innovation is in optimization
I agree. I'm adding on to the parent comment to provide an example of a real situation in which people who could generally make ends meet while doing very little work are instead producing the bulk of our new technologies, discoveries, and (as you mention) optimizations.