In order to take an innovative idea, develop it into a product or service that can be delivered for reasonable time, cost, and effort, and then spread that innovation to anyone who wants it, you need massive bureaucratic organizations and simple ways of trading effort between organizations. Very few people are passionate about bureaucracy, even fewer when they're not getting paid. Without the safety systems in place to allow for big organizations and reliable imter-organization collaboration, most cool ideas would stay in the garage.
Also, in the modern world, most innovations require access to machines and resources too expensive to be secured by some guy playing with ideas and materials in his free time.
There are examples of innovative individuals doing amazing things for the love of the game on their own dime and on their own time, yes, but their achievements are dwarfed by the innovations created by people working in systems and bankrolled by organizations.