I don't think it's insensitive and "money issues" should not be posted in forum suggestion is the one quite insensitive.
At the end of the day, we can conclude that even those who had lodged for visa still does not guarantee a grant. And no, I don't think it's selfish to create multiple EOI if you've been waiting for six months, one year or two year for a grant. It is still a personal decision and everyone has the right to secure a safe spot for themselves.
I suggest @songhyeky0 tama si sir @toyotafx with those options. Kung ready ka na financially to apply for second visa, grab the invite for 189 and wait which one will be granted first.