Maybe the real "Great Filter" is that once a species gets collectively smart enough they realize their own planet is a far better investment than extension into the cosmos.

Like, we’re destroying the one place we know is a sure bet on where we can prosper if we keep it healthy, but instead the world’s richest man is trying to expand to other planets while this one’s ability to sustain life is in jeopardy. IMO that makes us potentially a very stupid species compared to a species that doesn’t really care about meeting other aliens because they value the life on their own planet far more than we do.