Things move fast until something bad happens; then layers and layers of oversight are added to avoid bad things happening again. Years go by without bad things happening and people begin to wonder why we need so much oversight so they begin to peel them back. Rinse and repeat.
In that context, a major mishap is a very big risk to SpaceX because it can erode their efficiency. One of the advantages of the CCP approach is that there is much less oversight, so things can move quicker. I'm not so sure NASA will be okay with that if they lose an astronaut.
A lot of the stuff SpaceX has been able to do is down to automated systems. Maybe we would have had rockets that could land in the late 80’s if that turf war had gone the other way.