I’ve read your post a dozen times and I’m confused.

Are you at the $5 million cap in this scenario? You’re certainly not going to waste away with $500k/year coming in, labor free.

Or are you closer to median income of like $80k, and thus have no funds for a big passion project?

Either way, you can always pool resources and form an organization of some sort. We don’t really want a ton of power collected in individuals. Especially not if the only reason they have that power is because they had money.