Many people don't still realize it, but the problem of low orbit debris is only getting worse. So, this is a really nice gesture. Thank you, Elon Musk.
But, you can always trust the government to spend 10x more to do 10x worst...
Dubious. Perhaps if Congress could be persuaded to invest in tons of radio telescopes / radars, positioned all around the world, but good luck with that. The space-based approach used by SpaceX is something that presently only SpaceX is equipped to implement. Tracking star conjunctions only gives you high quality data on space debris / satellite maneuvers if you have a huge net of star trackers in orbit, and that's something which only SpaceX has been able to do.
Nobody said it would be easy though.
That luck is out of grasp of the vast majority of the population. It isn't a matter of effort, but mostly luck. Playing the lottery is not a realistic strategy to put forth from a monopoly competition perspective. 90% of startups fail, for example. They worked hard, but were unlucky.