This is very much not true. I'd argue that most successful and useful software has indeed NOT been made by "those who collect the most money". Linux is a wonderful operating system, it lets you do whatever you want, and it collect NO money. The web, created by scientists and popularized by cheap and libre software, hasn't collected even a fraction of a promille of the value it has generated. The browser market, dominated by chrome, still has mozilla as the only currently feature complete alternative. Even the king of collecting value, Microsoft, aren't bothering to develop their own browser.
Most software worth a damn was made by a few people who cared. The business around it usually just gets in the way. This year you'll see hundreds of startups trying to "collect money" for some asinine idea. Most of those startups wont create anything of value. Even the successful ones will be gone or irrelevant in 5 years.
Who paid those who created Linux? They are probably humans who have to eat 3 times a day and have a shelter. It was paid by governmental institutions, loved ones of those who write the code and ideologues who made money some other ways(like working at Microsoft or Palantir) and chipped in for the cause.
Linux just has a different business model. If you can do all your things like that, cool.
Many other business models are possible too, use that to create better products than the "invest huge sums now and develop the thing, collect small payments down the road".
It's strange to expect that other business models shouldn't exist so yours can work.
If you don't like locked down cars, just make cars the way you see fit.
Most software worth a damn was made by a few people who cared. The business around it usually just gets in the way. This year you'll see hundreds of startups trying to "collect money" for some asinine idea. Most of those startups wont create anything of value. Even the successful ones will be gone or irrelevant in 5 years.