When does spacex launch over populated areas? They are either launching into polar orbits on the west coast or florida for non-polar orbits, neither of which overflies populated areas.

Furthermore, it's fairly easy to make a giant canister of fuel explode, relative to not making it explode.

How are your space tourists getting back to earth? Or are they landing in the ocean too?

Usually happens with a glider or parachutes. In pretty much every case though the vehicle is coming down with next to no fuel on board, and the mass and size of the on-the-pad vehicle has been greatly reduced(due to various stages breaking away).