Meteor impacts and supervolcanoes seem to be the near-term worst case scenarios, neither which change the state of living on the moon. I don't know that the metaphor of them being under the same roof works.
I agree and I think it usually simplifies industries in negative light. But the dairy lobby ain't something to shrug at. I think i remember reading a while back on legislation deciding if products like almond milk can call themselves milk.
The most logical plan I heard was the following: Solar power works way better, and potentially nonstop at the poles of the moon. Use that energy to cook moonrock into building materials and lauch it all into orbit on an electromagnetic mass driver. Then design and build Oniell cylinders, once we have rigorous tests of artificial gravity on humans. If you want a Mars base after the fact, go for it. Put a station in orbit around Mars that recieves deliveries from the moon.