The United States hosts most of the world’s leading AI companies, yet only 58% of American adults own stocks, exposing them to AI’s downsides without claiming its upside. The article proposes Innovation Accounts: giving every American adult between $1,000 and $5,000 invested in a technology index fund. The proposal draws from Trump Accounts, which allocate $1,000 to children born between 2025 and 2028, and Alaska’s Permanent Fund model. A $5,000 investment in the Nasdaq-100 a decade ago would be worth $28,635 in gains today. A $5 billion pilot program could seed one million accounts, funded by government or philanthropy. MIT economist David Autor, OpenAI’s Sam Altman, and Senator Bernie Sanders support this broader concept of universal basic capital.
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