The possibility is being talked about by people that SN16 may never fly as SN15 may well fulfill all targets of the SN15-SN19 craft. Potentially 1 more SN15 flight then on to SN20/BN3 flight to orbit. Musk just might shock the industry by reaching his orbital launch by July. July 1st would be nice as it is Canada Day
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Cargo for SN20 has never been mentioned but it would be a big publicity win if it deployed some Starlink Satellites (doubtful, but I've been wrong before). Also nothing has been mentioned of recovery of debris from the "ocean landing" and I don't recall if they did any with the early Falcons that did "ocean landings".
Now compare Starship development speed with SLS and New Glenn.
BO funded by the richest man in the world has delayed their first launch of New Glenn by a year just because they didn't get a government contract.
BO challenging the HLS mission contract to SpaceX hasn't delayed SpaceX at all. If Starship can achieve an orbital launch and reentry it provides a big argument in favour of the SpaceX contract as they can point to the orbital capable launch success of a prototype and to the Blue Moon being just a mock-up. Then comes the refueling and a unmanned lunar landing becomes highly probable. SpaceX already has a orbital refueling demo contract with NASA and even if that contract were lost SpaceX will continue with it as they need it for their own plans just as NASA needs it for theirs.
So Starship development is way in front of what most people (even me) expected. Could Lunar Starship be ready for 2024? Possibly. Starship should be a major wake-up call for others who compete for space launches that there is a revolution in place that their existing plans can't compete with. They need to head for competition with and by Starship (and its successor!) as their current plans to compete with Falcon 9 are already obsolete as those craft will compete instead with Starship.
Like Musk or not you have to admit in Electric cars and rocket launches he has really shook up the industries. I don't expect the Boring Company or Hyperloop to do the same but Neuralink may and Starlink is on the verge of the same shaking up.
Too bad we didn't have a Musk back in the 80s, we'd be on Mars already and have nuclear interplanetary ships.