I suggest you read up on the rocket equation again. There is a massive difference between payload mass fraction and payload. The latter scales linearly with respect to the total mass.
Disagree. The overall Starship system's problems are obviously in Starship, not in the Super Heavy booster. The latter is far heavier. But it only has to do 2 things well - sub-orbital launch, and sub-orbital precision return. And the launch tower's chopsticks give it a lot of help with the latter.
Vs. the Starship has to do far more things - all of them mission-critical - while being ruthlessly optimized for weight.
I want to do Apollo again.[0]
[0] https://www.youtube.com/watch?v=A4J9uvhJQM0