I also want to make games and distribute them for free. I want to follow something like the Dwarf Fortress model where development is funded by fans and I build it because I love it. However, I'm not at the point of my life where I can do that, so for now it's a motivator for me to retire early.

But that model is highly unlikely to become the most common distribution method for games, just like it isn't the most common distribution method for other end user software. People just don't donate nearly as much as they're willing to pay for equivalent software. Building software is expensive, so if you're in it to make back your investment, propriety software is the way to go.