I think one depressing example is innovation in weapons and other dangerous fields. "If we don't build it, someone else will first" is unfortunately historically been shown to be true, has it not?
Today's unsavory borderline reactionary doomposting brought to you by: my crippling fear that I'm isolating myself in a political echo-chamber (so naturally I gotta hop online and exclusively ask my fellow leftists)
I don't disagree buts that's sort of avoiding the point. There are endless examples of large groups of non unionized workers who could collect their money and pay someone (a union rep) a full time salary to support and advance their interests. They have the cash but they still don't execute for a variety of other reasons.
It's not just access to money and cash.