25,000 1-in-100,000 collision probability events in 6 months is actually pretty high. Without actively controlling the satellites to avoid you get:
1 - (1 - 10^-5)^(50e3) = 0.39...
chance of collision per year.
SpaceX says Starlink satellites should deorbit in about 5 years if they don't keep actively boosting their orbits. That still means a 90% chance of a collision before deorbit if they stop maneuvering. Those debris would be in low orbits and also decay quickly. You could still to some real damage to any of your neighbors in that time though.
From a regulatory perspective, I sincerely hope the FCC and others are thinking about what contingency plans need to be in place if SpaceX became financially unstable. They've basically guaranteed themselves a government bailout at this point. The UK did that to OneWeb for purely economic reasons. If SpaceX goes under, they're taking LEO with them.