Not only is Starship not currently flying but there's been no demonstrations of their in-orbit refueling, not even between two Dragon capsules. There's also been no demonstration of in-orbit engine reignition. No demonstration of multiple engine reignitions. These are all necessary components of any Starship mission. Starship must always have fuel for landing as there's no capability for it to do an unpowered landing.
This means without an in-orbit refueling its payload lift is massively compromised. It also doesn't have the fuel to get out of LEO without refueling.
Starship is currently making tiny baby steps towards launching while people talk it up like it's doing regularly scheduled launches. There are a lot of major unknowns in the Starship mission profile and there's no guarantee it can or will work as advertised. Even if it technically works the idea there's going to be daily launches is currently a pipe dream.
Agreed. Most of the serious work on establishing visits is at NASA. But getting there and back sustainably is a big part of the problem. To borrow another comment’s analogy, we’re not going to establish a permanent presence (whether with a rotating cast of astronauts or permanent population) with the astrophysical equivalent of triremes.