Refueling 9 times is the cost of the fully and rapidly reusable spacecraft and booster. When apollo launched it weighed like 10 million pounds or something like that. All that came back to earth was a 2 ton tin can with 3 astronauts in it. And that part wasn't even reusable.

Starship represents an entire ship and booster that are both fully and rapidly reusable (like an airplane)

Apollo was like taking a flight to pittsburgh, but dropping wings wheels etc on the way there and by the time you got back you had to parachute back down to the runway and for the next trip you need a whole new airliner.