They do not expect to lose a given vehicle. They
are tolerant of losing some vehicles over time, because they understand that every flight may be affected by unknown unknowns. There is certainly no evidence that they expect to lose crewed vehicles, or that they are tolerant of crew loss.
I think the high loss rate for Starship can largely be traced back to the choice of using steel for the vehicle, which drastically reduces margins across the system. You could certainly say that they had a higher expectation of failure because they made that choice. In that sense, I understand your point. But to the best of their ability, they try to fly every vehicle successfully.
