I don't see that as a problem. If I'm not otherwise committed when we have a colony, I'd be the first to go.

After that, OTHER PEOPLE will find ways to monetize. People went to America because it was an untouched land of opportunity, not because somebody told them they could export furs. It was clear that there was opportunity but unclear what it might be.

I can think of many things that could make your rich on Mars. Any kind of sports/competitions in reduced gravity, space hotels/amenities (things that makes space more like home) and indeed mining of raw materials. And these are just the first things that come to mind. There's probably better ideas.