> developing that capability would probably take years and cost >$100 million. And NASA can’t just decide to take on that endeavor
So what you're saying is, this could easily be funded by some billionaire, e.g. Jeff Bezos who already sells billions of dollars in Amazon stock per year to fund Blue Origin?
Not saying this should be done privately, but if funding is the problem, that problem can be solved.
Space travel is less expensive than most people think, it just isn't very high up on our list of priorities.