SpaceX issue still unknown after several thousand engineering-hours of review
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Of course this looks like a second stage failure and SpaceX aren't currently trying to recover that, but there are a lot of common parts between the stages on Falcon, so once they start to recover the first stage successfully, I'd still expect a lot of reliability lessons to be learned.
The money has nothing to do with it.
Anyway, I think SpaceX's engineers are extremely under pressure right now. These missions are extremely risky, everybody knows how difficult is this field and I personally believe that the amount of pressure the team is facing, it's consistently increasing the potential risk of a failure.
SpaceX is a private company and, like all the other private companies in the earth, it has the goal to make money and make investors happy. Every single failure of the company is a big hit on the brand and a loss of millions and millions of dollars, this put the team under an excessive amount of pressure.