That's an original take. But it feels a bit forced. We're already halfway thru Earth's allotted quota of 9 billion years of habitability. Life has been here most of that time so it seems odd that nature would suddenly think up such an extreme version of life insurance. Not least because humans look likely to do a better destructive job than at least a couple of the previous mass extinctions.

They'll collapse their own civilization well before all that becomes possible. Personally, just the idea of Mars colonization strikes me as just cringingly deluded. Forget the hard limits imposed by relativity, even to get something as tiny as a satellite into space requires the full stack of today's civilization to be up and running - i.e. everything from the food and energy system required to keep 8 billion people alive to the advanced microchip factories. All of this depends on a climate that humans are currently turning upside down and on an ecological substrate (soils, oceans, freshwater, biodiversity) that we're pounding into oblivion. To anyone who can see in front of them, some kind of collapse is literally inevitable. Forget Mars colonies, we'll be lucky if we're eating. A few decades at most.

PS: This comes across as a bit depressing but I don't mean to spread hopelessness. Personally I'm not a cynic or even really a pessimist. After all, there's always some way that we can make things better than they might otherwise be. It's important to be realistic but nothing about the future is inevitable.

Interesting point and actually quite hard to refute!