I rather do think we're hanging too much on a vaccine, because it's far off, by every well-considered medical opinion. Another year or more would be optimistic. We can't wait that long. That's why I said I'm hoping that natural immunity will start kicking in from those who've had it, survived, even mild cases, and (ideally) can't get it again. That's what "herd-immunity" is all about. As in the NFL, those people block it from others, and the protection is exponential.
As to a vaccine, if you've been following my "preachings"
of late, I am a great believer in vaccines. I would take an early version. I would actually take a trial version. Someone has to. There is a SARS vaccine, and they think that MERS is a likely candidate, but that does tell us how long it can take. With the focus on COVID-19, and as you rightly mention, the potential monetary value in it, I think that the COVID-19 vaccine will come sooner rather than later. When it comes, and it's working and safe, just get it. I don't think you have to wait 5 years.