Getting the actual people there (and back) is the costly part. "Stuff" doesn't require four or five levels of fail-safe. "Stuff" doesn't need to take a shit or get sick or argue about politics.
Then the solution seems pretty straightforward: send only "stuff" up there for the first few years.
Once the "stuff" has organized itself (because robots) and is looking pretty good, then send up some human beings, if you still want to. They can walk right into to their prefab moon-hotel.