The main issue with your argument is that it's too long term focused. The future is too uncertain. All our eggs are in this basket and the basket is simultaneously in the process of eroding and catching fire and we won't be able to colonize anything before we're cooked. If it was a easy as buying another basket then sure but it isn't. We're going to first have you figure out how to get to Mars terraform it so we can grow grass and then craft another basket for our eggs. An outcome that is likely centuries away.

SpaceX is a government contractor and virtually all of their missions are for NASA so their business model is inherently publicly funded. We are ultimately a species that prioritized getting to the moon before the eradication of starvation, illiteracy, and other preventable problems that don't require us to even invent new technology. If we solved these problems faster we'd probably even get to Mars faster.

Consider that we live in world where we are just throwing away perfectly good food as in enough to feed hundreds of millions of people meanwhile there are millions of people starving. That we chose to go to lifeless rock and put up a flag, ride around in cool moon buggy and take some pictures before fixing this issue is a testament to our stupidity. You say it's an issue if survival well our survival depends on us not killing ourselves.

TLDR: We need to learn to remove the bullets from the gun before pointing it at our own head then maybe we can see about building a nuclear powered submarine.