It is entertainment, not investment.
Why do you need to pay money to someone in order to daydream?
people can decide to work forward the goal then what happens is a lot of grinding, they can still dream about something else
The problem is that "dreaming" often replaces grinding.
Don't people who go to amusement parks or Disneyland basically pay other people in order to have a daydream session? I mean, I can't imagine people walking around dreaming about winning a lottery, it would be Charlie and the Chocolate Factory. (Now that's a book about humanity outcompeted by a more profitable life form under the guidance of an omnipotent being.)
Another month, another rationality quotes thread. The rules are: