I generally feel like we can encourage building up more game development platforms, to solve such financial issues. One such platform was roblox, which i previously worked on, the ease in which they onboarded us to develop a game is pretty good. And due to no upfront cost, developers can quite make some money from scratch and the distribution will be handled by the platforms itself. The downsides i see is the cut they will take from us from the profit as well as bending towards their rules.
For advanced development we are still limited by the technological limitations provided by the platform, so it kind of limits our overall ambition too.
Don't we already have the analog of a "big platform" distributed among a few huge companies? It's mostly app stores provided by Apple/Google/Microsoft/Steam/Sony, with the needed tooling provided by Unreal/Unity. We also have cuts and we have to bend to their rules.
For advanced development we are still limited by the technological limitations provided by the platform, so it kind of limits our overall ambition too.