You're making a lot of assumptions without looking into anything. So for instance the ambient radiation on Mars is comparable to Ramsar, Iran. [1] It's the most naturally radioactive colonized location on Earth, yet people have been living there for generations with no concerning side effects whatsoever, and a number of seemingly positive effects. The bigger threat is actually quite similar to the issue with space - it's the intermittent major space weather events sending short extremely high intension bursts of radiation at you. Fortunately these can be detected and dealt with as necessary.
And the Mars program is not being publicly funded in any way, shape, or fashion. If it was - we would have likely colonized Mars decades ago. Werner von Braun - the man responsible for the success of the Apollo program already had workably viable plans drawn up for Mars before we even set foot on the Moon. The government's decision to defacto cancel the space program is what led to his very premature retirement. But I do think rapidly aiming for the basics of self sustainability will be important nonetheless. Fortunately Mars is almost set up like a video game in that most of everything we need to survive is somewhat serendipitously present.
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As for what people want to do. It's funny, because I feel the exact opposite. I simply cannot understand people who have no desire to adventurize, explore, and see all that this universe has to offer in what little time we have on this Earth. It's probably why I'm an American yet find myself living half way around the world. And I would be the first to sign up for a mission to Mars as well. It'd certainly be a rather difficult life, but what more could be more desirable than spending the rest of your years laying the foundation for our children and our childrens' children, so that one day people coming to Mars would simply be just a holiday. And perhaps they then will then be the ones laying the foundation on Europa, or perhaps destinations that we can't even realistically imagine today.
It's certainly the same mindset people leaving the luxuries of the Old World had when setting out for the New World. The Old World was richly developed and full of culture, life, and civilization. Going to the New World entailed a voyage, as long as 4 months, and one which was quite frequently deadly. All to get to a completely undeveloped chunk of land full of oft unfriendly natives, new diseases, and all sorts of great ways to die in the middle of nowhere. And that's if you survived the voyage across to begin with, which many didn't. In many ways, we have it easier.
[1] - https://en.wikipedia.org/wiki/Ramsar,_Iran#Radioactivity