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Your only argument for innovation as a luxury byproduct is a negative one: Foraging for food in a cold cave wont let you invent forks. Living a decent life without meaningless job, might make the society more innovative. May be the innovators in a society less driven by consumption might try to build meaningful invention, not sporks, or a bigger iPhone. But that's just wishful speculation on my part. I like when you say Luxury is what you work for. I just tried to refute Francopoli's ironic comment about working for money. Because working, in the end, cost you most of the money you get. But, if it is luxury you crave, I have to admit working is probably your only legal path. Investing still has a greater profitability.