I don't think it's that big of a deal but it's clearly well done from a PR/marketing standpoint.
Insurance/warranty is just an expense from a companies POV. You control it via a combination of
a) building a well working product
b) limiting use of that product
c) putting a high enough premium on it
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a) is what all customers want. b) is what Mercedes is heavily leaning into right now, because looking at the restrictions it's pretty clear that they don't think they have accomplished a) to any satisfying degree.
I am sure they will be setting c) to where their insurance math says it has to be to be financially viable.