You are not going to find a dozen new women's franchises independent of the NRL that are prepared to fund a loss making venture.
The only person talking about a dozen is you.
Starting with a dozen is unrealistic in any scenario, starting with a smaller number like six and building from there is doable though.
It would never get off the ground and if it ever did, it would be a revolving door of clubs collapsing and coming and going. Plus, who would support the new clubs?
Clubs folding is part of the natural process of the evolution of a competition, especially a new one. It's inevitable, and if people started accepting that the NRL would be better off.
Plus, who would support the new clubs? It is all about goodwill, which is why the NRL and its clubs must run it and fund it.
Who's supporting now?!
Be honest, on average less than a thousand people are showing up early for the kick off of NRLW games, and even then a good portion of them probably aren't actually there early specifically to support the NRLW. On average it has to be less than 1% of the crowd that have actually paid the price of admission specifically to watch the NRLW.
If the NRLW is ever going to be sustainable in it's own right then it needs to build it's own fan base of people willing to spend money specifically on it, and that doesn't describe the vast majority of NRL club's fans. Sure when they're effectively given it for free some will show up (even then not many the evidence suggests), but as soon as the the NRLW moves to it's own gamedays interest will tank. That means that the NRLW's target audience is, or rather should be, a slightly different audience to that of the NRL's.
If you built a comp from scratch and targeted clubs with proven interest, that justify participation in a higher competition with more exposure but aren't part of the NRL's plans, mixed with some new clubs, then you could have the beginnings of a solid national competition.
Take the Bears, it's absolutely crazy that they weren't pursued to be part of the NRLW. That would have given the Bears and their fans the pro-team and national exposure that they have been begging for, and being connected to the Bears history and the 5ish thousand (maybe more) fans showing up every second week at North Sydney Oval would have given the NRLW a bunch of instant credibility.