Crew dragon being retired is only a problem in so far that Starship isn't ready. It's really strange to somehow spin "SpaceX is doing something stupid that hurts customers" into "SpaceX is too competent for its customers".
As far as we know, Starship should fix the limited payload issues of Falcon 9 so why would anyone ever have to worry about Starship only launching Starlink satellites?
It's also weird how shutting down Falcon 9 and crew dragon means that SLS and Orion cannot be canceled anymore even if congress (the boogeyman) agreed.
Make this make sense.