To be honest, I am not convinced.
NASA has been saying this for decades.
I guess without the financial strain of the Shuttle and construction of the ISS, there is more room financially?
Will see.
They've replaced those with the financial strain of the SLS and Gateway station, which these contracts are designed around. The Gateway only exists because SLS can't launch Orion, a cargo payload, and a service module big enough to get it all to LLO in one launch, and SLS is poorly suited to sending payloads to LEO (being designed to send smaller payloads to higher energy orbits), plus has competition there that would make it look even more ridiculous. But SLS and Orion have to be used for political reasons, and the Gateway gives them somewhere they can reach.
But a reusable lander that could get to the Gateway from the moon wouldn't be small enough to launch as a co-manifested payload on SLS, which is why they're breaking it up into a tug, expendable descent stage, and an ascent module. It's a stupid way to do things, even Lockheed wanted to do a single piece reusable lander. Between propellant deliveries and replacement descent stages, all limited by the flight rate of SLS, it'll take years and several billions of dollars in SLS flights alone per lunar surface mission...and first they've got to build the Gateway. Which itself is chopped up into bits small enough to be co-manifested payload on SLS/Orion launches.
The whole thing seems designed to generate as many SLS/Orion flights as possible, making "progress" with each step without actually accomplishing anything.