We claim to have made huge progress in science and technology, but have not even started habitation on moon...forget about the galaxy. Why?

Governments currently have no reason to spend money on space programs aside from exploration and scientific curiosity - and these are (sadly) incredibly weak drivers for progress. The great european exploration back in the 1500s only started to find more lucrative trade routes to Asia for example. The moon landing was also pressed into action by the Cold War and bloodthirsty competition for global influence. Unless the moon or Mars or asteroids somehow have a huge rate of monetary return, no government or entity will invest money into it.

If we SOMEHOW discover nuclear fusion and Helium-3 suddenly becomes valuable, and we can SOMEHOW mine it from the moon, I can assure you, we will have bases on the moon and probably get into a couple of world wars over it. Money and power drive technological progress many times greater than humanitarian or academic motives...

OK, well why don't you get yourself an engineering degree and rectify this unfortunate situation.

Very simple - money and politics.
It took political will to land men on the moon in 1969.
It will take political will and the dedication of a lot of money to build colonies on the moon.

People aren't interested in spending money on a colony on the moon when they believe there are more pressing economic concerns on Earth.
Until building colonies on the moon becomes important to Joe Public it isn't going to happen.

And consider one thing - its only been 100 years since the first airplane. It took thousands of years to get from living in caves to the airplane, and only a century between the plane and landing on the moon. Progress is exponential.

Sending people to the moon is very expensive. We've learned a lot about the universe by using unmanned spacecraft. I'd still like to see us go back to the moon and to Mars.

Well, considering that the typical human in 1800 lived a near stone age life(hardly any progress beyond Roman times), I think we have made enormous progress, so far. By 2100 there will be permanent settlements on the Moon and Mars as well as probably Phobos, Ceres, Callisto, and Titan. By 2200 we will have settlements around Alpha Centauri and maybe a few other stars, such as Barnard's star, etc. I see our progress as half full, rather than half empty.

Well, aside from bankrupting a nation, or several nations - it's also dangerous and the distances involved are beyond our means....

We don't do things because we can, we do them because it makes sense to do them - and right now, it does not make economic sense to send human beings to other worlds. It makes perfect sense to explore remotely an robotically and so we do. That may one day lead to a compelling reason to go visit. But we will need some new physics to transcend the limits of time and distance before humans can have any meaningful presence beyond the solar system.

Habitats on the Moon are possible, but the cost is excessive considering the few good things about Moon habitats.

because this planet dont have enough resources