clone #5 summarizing means clones 1-4 never actually have the ideas, but cannot contribute any further to the solution-space beyond claiming they had those ideas. This doesn't create an additive effort to deriving a desired answer from the available solutions-space of your problem.
By "keying" I mean something that informs other iterations of the idea you're currently having and its invalidity without telling them the idea. "The thought I had at 5:14 -- it won't work. Move on."
This allows all six iterations to contribute towards deriving a viable answer without running into loops which require recursion to reach a stable state, which seems to be the kinds of loops that the Turners don't allow. (Helping a previous version's okay as long as they don't know where the help is coming from; but factoring integers instantly is not.)
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I think that taking advantage of muggles in lots of ways is against the law, so imperiusing or memory charming a billionaire would be forbidden. I wouldn't be at all surprised if people have thought of and maybe tried using time turners to cheat the muggle lottery, so I'd give fair odds that's illegal too. When it comes to arbitrage though, remember that while wizards in general may not be tremendously stupid, they tend to be incredibly clueless about the muggle world; remember that Arthur Weasley can pass as a premier expert on muggle artifacts. The fact that the values of gold and silver in the muggle world are totally divorced from their value in the wizarding world is likely to be very little known, and the concept of arbitrage may be completely foreign to them as well (look how primitive their whole financial system appears to be.)
The fact that Mr. Bester, Harry's occlumency instructor, said he wished he could remember "That trick with the gold and silver" implies that a) the idea is not obvious to most wizards, and b) he thinks he would at least stand a chance of getting away with it.
I completely agree. Recall also Draco's speech about muggles scratching in the dirt, and his reaction to Harry's estimate of the lunar program budget. It's not just wizards not paying attention to relative values of gold and silver in the muggle world---for the most part, the possibility that there could be a substantial amount of either in the muggle world doesn't occur to them. Now you might expect muggleborns to know better, even after making allowances for the fact that they enter the wizarding world at age 11. On the other hand, if a muggleborn is clever enough to see the potential for profit, they might also be clever enough to see what Harry apparently does not---that calling attention to the fact that the muggles are ripe for exploitation is a Bad Idea.