Lets just look at reusability of Starship HLS.
Starship HLS does not have a heat shield, so it's definitely not coming back to Earth (in one piece) and there is no plans to refuel it in the lunar near-rectilinear halo orbit also they don't carry enough fuel to return to LEO so they will be disposed of in heliocentric orbit. So not reusable.
Also with 15+ tanker launches needed just to refuel the Starship to get to the moon for a single landing on the surface, will that be cheaper or more efficient than a single Saturn 5 launch needed for an Apollo mission?
As for privately funded, NASA have already paid $1.83 billion to SpaceX just to see 3 launch vehicle explode. I'm willing to bet that no Apollo era Saturn 5 engineer ever said that "Everything after clearing the tower was icing on the cake." as Kate Tice did. I guess for them failure is an option
Chris