The only implementation detail I would change is the flat rate of $20 million. I would peg it to something like GDP per capita or average CoL multiplied by some number of years.
People have come from nothing and gone on to do amazing things. If you can’t get some kind of profit generating company off the ground or at least passive income through wise investing with that kind of windfall, then you quite frankly deserve to work in the proverbial widget factory with the unwashed masses. To wine about that betrays the lack of grit that probably lost you the nest egg on the first place.
The best entrepreneurs are the ones that are interested in learning and building amazing things. The ones in it to hoard wealth saddle the world with bullshit because it’s a bullshit incentive that requires bullshit mechanisms to protect their income stream. Think patent trolls.
If you want to see what fair looks like in nature, look at what every other animal beside humans get when they start life: the risk that around every corner lies a disease, predator, competitor, starvation, grave injury… What presumably sets humans apart and allowed us to thrive is cooperation on larger and larger scales throughout our evolution. Hoarding wealth is antithetical to the very thing that is supposed to make us an exceptional species.
