Re: Where's the money?
People colonise harsh places not because they choose to do it but because they don't have any choice, for various reasons.
Even North America was colonised mostly because of religious issues in Europe leading people to emigrate so that they could be as intolerant as they wanted, not because there were resources needed there (besides tobacco and castor furs).
So the best way to colonise Mars would be to deport people.
One could perhaps ask the Russians how to set up goulags?