Ah, the irony. Elon Musk is charged with building the Human Landing System (HLS) for Artemis III! It will use the "HLS" variant of the Starship.
One of the biggest causes for the delay is that Starship HLS is way behind schedule, and certain critical items - like showing fueling of the vehicle in orbit - haven't even been attempted yet.
Getting humans through that high radiation zone without cooking them is also going to be a toughie.
Starship HLS is way behind schedule
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Because the NRLB, Fish & Game, FAA and the EPA are doing their level best to keep it that way. Meanwhile, Biden buddy Bezos is slowly progressing