I want financial independence for the sole reason that I can work on interesting problems like this without any outside nagging or funding issues from anyone else (there might still be some judgment, but I can ignore that).
Personally I think governments should fund more moonshot solo or small team efforts because high risk / high reward pays off when you reduce the variance by spreading it out over so many people. But it looks like we’re going headstrong the other direction in terms of funding in the U.S. right now, so I’m not optimistic.
I'm a Swedish game developer and I feel exactly the same way. I have my dream games I work on every now and then making very little slow progress. My wildest dream would be just being able to dedicate myself to it full time. But, there are bills to pay.
Given what universities charge, they should more than be able to cover comfortable salaries for all researchers so they never need to worry about going broke. Tenure is a very useful tool!