Actually the best route is to simply have a CEO/CFO who recognize this problem and are self-disciplined enough to divide the project into stages, and prioritize

Actually the best route is to simply have a CEO/CFO who recognize this problem and are self-disciplined enough to divide the project into stages, and prioritize/triage what goes into each stage, starting with an MVP that can launch and actually provide revenue to fund subsequent stages. This overspending problem happens a lot in startups too (though VCs sometimes pressure startups to burn fast for various reasons having to do with the next round, which isn't really a factor with Star Citizen and crowdfunded projects). It's crazy there aren't more widely recognized best practices for teaching founders how to handle this issue.