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You forgot the biggest reason.

People CAN work for free.

Afterall, we have a safety net so people don't starve and plenty of families are well off enough that they can support people who want to work for free for a bit.

Though people did this stuff for free all the time before too... it was called a hobby. The difference was they weren't enabled to pursue it with more then part time.

Like Einstein... and for every Einstein there were a dozen more failures no doubt.

A lot of the past's scientists were rich kids who loved science and worked at it for free.  That was a case of the opposite really, a traditionally "free work" action getting monetized.

For example... Darwin.  Did Darwin even have a job?