It's been several centuries and yet the brain is still a big mystery for the humanity. I don't think 2 decades would be enough. I'm not saying that I'm against cool technologies, but such a progress is hard to imagine being done so "soon".
What is your benchmark for success? A brain chip that can augment reality? In my opinion the real potential for a brain chip is more of a technology to expand accessibility to people who can't control their bodies. Also in my opinion, no one should trust Elon Musk or anything he makes so Neural Link I don't think highly of. The potential to provide people with severe mobility challenges another means to interact with the world is something worth developing. That I can see happening in a decade or two. A general purpose brain chip, yeah a hundred years plus, if ever.
Under capitalism? I wouldn’t trust any sort of tech implant. I say that from the comfort of my full physical faculties, so maybe it’d be different if I couldn’t, but Jesus I cannot imagine being at the whim of any tech company.