The question is, how many people will move there, and how are they going to pay for it? (if they are not billionaires, of which there are maybe ~2000 in the world)

I agree that maybe a handful might go there because they can. But very soon you need to start producing enough to at least keep yourself alive. So much that I believe we ought to start developing those technologies (which takes time) before other steps.

We can probably fabricate regolith-lookalikes on Earth and start doing basic chemical and industrial engineering for pretty cheap, much cheaper than the billions you need for a mission.