In the UK we have premium bonds that largely serve this purpose. You are most likely to win small prizes but £1 million is possible. Average return is around 4% I think.
I've noticed quite often very competent junior devs are very often guilty of writing far to complex code. I think there's often a disconnect between the ideal of what software should be and what best solves the problem.
Since taking the mindset of been required to solve a problem as opposed to trying to write the 'best' and 'cleanest' software I've found my productivity jump substantially while ending up with easier to maintain code.
The messaging around AI seems generally very negative to anyone without considerable capital. The idea it can complete lots of tasks that people do to pay their bills doesn't really encourage trust. The two extremes seem to be "it's a fad" or "it is exceptional and will put you out of a job". Neither encourages trust.