First one was a design flaw. It was a strut that wasn't strong enough allowing the helium tank inside to break loose, which in turn caused a massive oxygen flood and explosion. That has since been fixed. Up to this point it's the only real failure of the SpaceX program. This one's cause will be figured out and fixed also.
As far as manned flights, that's why this design has been being perfected unmanned. NASA in the beginning had issues also, but because of the money involved it was able to test things on the ground much more and have more extensive testing procedures that would bankrupt any private company. So, SpaceX is doing the unmanned cargo missions working out the flaws this way, in real time. When all is done I'd trust SpaceX as much as I'd trust any thing that involved a few thousand tons of kerosene and liquid oxygen. Which personally isn't much
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