While I agree with your concern, I think it is unrealistic to expect young researchers, for example those who have just finished a PhD to apply for funding from NIH. They can't do research unless they have a job with access to lab facilities and more experienced colleagues to work with.If the researchers who have NIH funding are not encouraging young researchers to apply for NIH funding, how can we make progress?
As far as I can see, all a young researcher just setting out on a research career can do is apply for post doc positions where there is already a funded project in place for them to work on. That requires more experienced researchers with tenured positions to do the applications, then employ young researchers as part of the research team to work on it once funded.