if I was RSI with that much money, I'd say : "let's never finish the game, we got plenty of money to live on for years, making cool tech demo's"...
It would be a lot more straightforward for RSI to have made a mobile pay-to-win game like Clash, etc. that make even more money than Star Citizen has pulled in in a lot less time. I think they meant well in the beginning, but at this point there's pretty much zero need for them to ever ship a finished game.