Why? Why spread valuable resources around when they need to be concentrated and consolidated in order to survive in the post-apocalypse.
They didn't put all their eggs on the Oil Rig during the war. Various installations were utilized during the war. However, given the limited communication and even more limited resources, at some point you have to rally together in order to get anything done. It makes perfect sense.
We can speculate all we want, but that's all it is: speculation. As far as we know, no such group exists.
The Institute is the only other organization I've heard of with possible connections to the pre-war Government. But they were a pre-war University: not a bunker for politicians and government officials. And no doubt they have no interest in the United States as a nation. Claiming the Institute to be the heirs of the U.S. is sort of like claiming House is a remnant of the Government because his corporation (RobCo) contracted out to the U.S. Military.
The NCR is its own sovereign nation. It has no connection with the United States except that it exists inside its former territory.