This is very likely. And has already been said by various critics already months ago. But these people were silenced or ridiculed, because it apparently was already decided the vaccines need to be sold.
Even if you have unshakeable faith in this evidence-free perversion of biological theory, nobody was claiming the vaccines will fail without 100% adoption last year when they launched. Their reception would have been rather different if that had been claimed, wouldn't it? So you can either believe this is true, in which case governments and pharma firms deceived people about the nature of the 'vaccine', or you can believe it's false and they didn't. But you can't believe it's true and it's the other people who are deceivers. That makes no logical sense.
Global eradication of diseases has been achieved with smallpox and bovine rinderpest precisely because they had no natural reservoir and all vulnerable populations could be vaccinated. With Coronaviruses the situation is not so simple, but it should at least be possible to eradicate the currently relevant variant.
"selfish" implies you think there is some benefit to those individuals in declining it. What do you think that is?