this one somehow feels like a wasted opportunity, more due to hubris, lack of attention and a simple rush to get things moving
I think its important to contextualize SpaceX's hubris, focused/defocused attention, and sense of urgency in the bigger picture: That is the whole point, that is their MO. Whether anyone likes it or not that is what SpaceX does day, day out, usually to the delight of The Devoted and to the chagrin of the Never SpaceXers.
Nothing about SpaceX's MO changed for SN11. The failure just happened to be--at least the the top level--a step backward in the program. Had one of the earlier Starships failed in this manner there would have been a collective "we'll get farther next time" from the SpaceX team and their fans.
Time will tell whether we find out the root of this failure and whether it was a stupid JV mistake (like dropping SN9 off its stand) or a more acceptable 'we just weren't smart enough' error along the timeline of fail fast and iterate.
For me the most critical element of this failure is spectator proximity to debris. Almost getting beaned by rocket parts is much closer to the 'irresponsible' end of the spectrum (like, if the radius around a mining operation or building demo wasn't wide enough) rather than the 'accident' end of the spectrum, (like getting t-boned in your car or taking a foul ball in the temple).