Right. A starship flight costs about 1/700th the price of a Saturn V launch, adjusted for inflation.
NASA could not take chances like a private company can. Congress will pull funding (or threaten to) if there are spectacular failures. Musk just says, that was interesting, try it again.
SpaceX Wins NASA $2.9 Billion Contract to Build Moon Lander
https://www.nytimes.com/2021/04/16/science/spacex-moon-nasa.html