I doubt anyone is actually going to “shoot prematurely for the Mars”. I expect what SpaceX is going to do, is once they get Starship up and running, and tick off some intermediate goals such as Artemis III and DearMoon, they’ll start launching demo Mars missions-no crew, but demonstrating some of the technologies a crewed mission will need-and NASA will probably pay for some of it. And that’s likely to take a lot longer than all their optimistic estimates suggest. But they’ll continue to dangle those timelines in front of everybody to create buzz which increases the odds of Congress/NASA paying for some of it. SpaceX might be a bit less risk-averse than NASA, but no way are they sending humans (even privately) to Mars unless they have reasonable odds of surviving, and there is a lot of further technology development and demonstration required to have reasonable confidence in that.
Like with reusable rockets before, its very important to a do real world demonstration that this is possible. This way a lot of the naysayers blocking Mars related projects in other companies/organizations/countries will be much less of a problem.
And in general will make more people consider to get involved as this is real now, not another power point, computer model or study.
i think musk has basically said he doesn't mind risking/losing some lives. and people have volunteered. whether or not the world allows him to actually do that is another story though
Musk is prone to speak in a somewhat hyperbolic fashion, and may well be more risk-averse when it actually comes time to actually decide whether to put human lives at risk, than he is when talking about that decision as an abstract future. It also isn't entirely up to him–it is also what the rest of the SpaceX executive team feels comfortable with (especially Gwynne Shotwell), and also the comfort level of the regulators and lawyers.
Even NASA "doesn't mind risking/losing some lives", in that while they drive the "probability of loss of crew" as low as feasible, they never can get it to zero. Possibly, a private SpaceX mission might have a higher go/no-go threshold for that probability – but if it adds up to (say) 50%, I really doubt they'll go ahead with the mission, they'll likely instead delay so they can invest further engineering resources in reducing it to a more reasonable level.
