7 years and counting.... but on all other counts yes you're right, it has nothing like the complexity of Star Citizen.
I'm no advocate of how long its taking, not by a long way i'm quite critical of it myself, its frustrating but equally frustrating is armchair game dev's seeing a new COD game every couple of years think it should take no longer than that, lol, an indie studio with 20 people can knock out a game like that in 2 or 3 years using Unreal Engine or Unity, they often do, that type of game is about as easy as it gets, i can do it badly with Unreal Engine, Star Citizen on the other hand is right on the other end of the scale, even Bethesda, a well established studio needs a decade to make a similar game with half the complexity, they are not alone, decade long development in video games is not that uncommon, there are games that have taken 15 years.
Very few people want to commit the time and resources to a decade + long project because a lot can change in that time, look at Star Atlas. Elite Dangerous Odyssey. it took a long time, a lot of complex work, it is a good game though somewhat ruined by some ideas, mainly, IMO, as a concept its been surpassed.
There is a huge contradiction in some of the arguments about Star Citizen, because it just keeps going, it keeps growing in popularity.
Its not because too many people with too much money are too stupid, that's a low intelligence argument in its self, those people still chose where to spend their money, they spend it on things that brings them joy, just like the rest of us.