I ask myself this with no hint of derision or sarcasm, because I truly don't know. Is it safer to fuel up hours or only moments before launch?
Liquid propellants warm up and bleed off constantly on the pad, that's a potential disaster in itself. For a long wait, enough fuel could escape that more is needed to complete the mission. You have to add fuel on the pad, do you evacuate the capsule? If you do, now you're really behind, you miss your window.
You gotta think about stress on the rocket, condensation and ice buildup too. Maybe the minimum time is actually safer, even if it's a risk to load a manned rocket. Which risk is greater?
You don't suppose, perhaps, that the engineers at SpaceX have already thought about that, do you?
As posed on this forum, the question is almost invariably posed in ignorant derision. It has grown tiresome.
I actually read the article. I know: Heresy and Blasphemy!!!
Reasons for fueling immediately before launch are given ... and are interesting. The Falcon-9 does some things a little differently from older rockets.