You ever see a dog that’s got its leash tangled the long way round a table leg, and it just cannot grasp what the problem is or how to fix it? It can see all the components laid out in front of it, but it’s never going to make the connection.
Obviously some dog breeds are smarter than others, ditto individual dogs - but you get the concept.
Is there an equivalent for humans? What ridiculously simple concept would have aliens facetentacling as they see us stumble around and utterly fail to reason about it?
Interesting! Plus, that’s exactly the sort of weird, unanticipated thing I’m talking about. How do you plan for everything? You can’t.
The first human colonists (who are just ordinary people) won’t be the rich. They’ll be desperate people who are sold a dream of the future and treated as human lab rats.