The rewards don't have to be small if everyone in the country participates in the pool through taxes. Maybe not in the billions like in the current system, but

The rewards don't have to be small if everyone in the country participates in the pool through taxes. Maybe not in the billions like in the current system, but plenty big enough to encourage people that have ideas. The risk part is a problem, I agree. If the risk is larger than the potential reward, it isn't worth it. The risk should somehow be collectively handled as well.