At some point in the future, Falcon 9 will experience a catastrophic failure during launch -- law of averages. It will happen; the only question is when.
I know. I don’t have a jones for Mr. Musk, but I do think his Falcon series of launch vehicles is the best civilian vehicle out there.
They’re working on the Falcon Heavy, which is eventually supposed to be man-rated. It’ll go with the Dragon 2.0 crew launch capsule they recently unveiled.
Heck, SpaceX had a test rocket explode a few weeks ago using a modern engine. As you said, in the rocket business, an explosion happens eventually.