I call foul on the "if you paid 100k for a car you should be able to pay 40k to recover from a mistake" logic.
If we were talking about a regular gas car - many families have cars worth $60k and we'd still be asking serious questions if, by inaction, we ended up with a $24k repair bill.
And to continue your logic, if you buy a new car for $20k, it's entirely possible through neglect and failure to follow manufacturer's maintenance requirements that you'll end up with a car that no longer works and requires at least $6k to get the engine and transmission back into good shape again.
R < B
and
R (is proportional to) B
The pattern being that sometimes things which are expensive to buy are also expensive to repair. In a gas-powered car, the engine+transmission is probably the most expensive component to brick and replace. In an electric car, it seems to be the battery system.
Neglected maintenance on a $500k house can easily create situations requiring $100k in repairs or liability.
How much neglect do you need to get a car's engine and transmission to fail?
Even if you didn't change the engine and transmission oil for 18 months that wouldn't happen. I bet it wouldn't happen if you didn't change it for 24 months.
Compare and contrast with not plugging in a car for < 4 weeks.
If we were talking about a regular gas car - many families have cars worth $60k and we'd still be asking serious questions if, by inaction, we ended up with a $24k repair bill.