Absolutely right. It is not all about money, it is also about culture.
It is also about culture. Trains in the UK will never be as punctual and efficient as in Switzerland, because they are being run by British people, with British people travelling on them. British people simply will not accept the societal strictures that are present in Switzerland - you only have to look at other threads in this forum to see our views to realise that we are quite happy to give 'not quite good enough' even though we expect better than 'good enough' from our fellow citizens. I bet the Swiss have ID cards .....
The UK also built plenty of platforms - only we tended to split them amongst different stations in the same place (Birmingham New Street, Snow Hill and Moor Street; Derby Midland and Friargate etc) so connections were not possible. But that is an issue of being first, and having a business culture of 'laissez-faire' rather than Government control of everything. But it is no good crying over spilt milk, or thinking that society is going to atone for their past sins and deliver up buckets of money to put railway things right.
But that is our culture, our psyche. One lot wanting to pare down the HS2 terminal to the minimum number of platforms on a good, slack day - another lot wanting to abandon the lot and rebuild existing lines with 20 years of disruption and unpunctuality in the process....... Few wanting to bite the bullet and go for the whole spending hog !
Of course, if you haven't spent the nations treasury on participating in two world wars, except profiting from armaments sales, lent the proganists money, taken in buckets of dubiously acquired wealth and have had (and still do) a very profitable transit freight traffic on the railways, then you've got plenty for such infrastructure projects, spare capacity, top class maintenance etc.