The same systemic problems caused the loss of Challenger: the reason why SRBs were segmented was that they had to be transported over rail from another state, instead of over barge from a nearby factory.
Arguably the loss of Columbia was also partially caused by the same systemic problems: shuttle had wings (instead of a lifting body shape) due to Air Force's wishes. IIRC this necessitated the existence of the ET.
NASA's problem isn't really the money, it's the ridiculous bureaucracy and systemic inneficies that inevitably occur when you are forced by opportunists to fragment your supply chain and distribute your engineering infrastructure across the entire country. The constant change in executive policy is a consequence of NASA's inability to achieve its potential in the face of a functionaly hostile legislature.