I don’t understand what’s happened there. I may be wrong (and this being STW, somebody will tell me if I am) but I thought the purpose of the top cap was to apply a very light preload to the stem / spacers / top bearing, just to make sure there’s no slack, before you tighten the stem bolts. Thereafter, all the top cap does is make the bike look neater and reduce the injury if you try to impale your body on the steerer. So all the star nut or the Hed Dr has to do is hold that very light preload. Hope supply the Hed Dr with a very weak bolt, partly to save weight and party because it stops anyone overtightening it.
The stem is clamped hard around the steerer – this should mean the steerer is in compression, so how can it crack? One thought is that if the stem isn’t a good fit on the steerer, tightening it could ovalise the steerer (squash it from the sides), leading to cracks on the front and/or back of the steerer.