Giving away money is stupid. With that much money I would rather fund companies that push the frontier on something. If it fails no biggie, if it succeeds it will probably end up employing people and giving them a source of income for life while simultaneously contributing to human progress.
You're saying charities like OpenAI that people have given money to haven't pushed the frontier on anything?
You'd rather vibecode a SaaS or start a dropshipping business because that is somehow pushing the frontier more than a charity like OpenAI people gave away money to?