Building a small satellite is now within reach of universities and start-ups. Getting it to space is easier than ever too, thanks to rideshare launches that carry many payloads on one rocket.
A secondary payload does not control the launch date. If the primary mission is delayed, everyone waits. Late testing results, licensing and export-control paperwork can also push a payload to a later flight.
Lunar rideshares are much rarer than trips to low Earth orbit, because they depend on a mission going to the Moon in the first place, such as a commercial lander.
Educational content. Not investment advice.