Well they solve that problem the same way any other repair shop does by loaning you another car.
But to get back to your original point, I honestly think you are just plain wrong. If I look around at the street here I see huge amounts of people that have spent 40 grand extra (and often much more) for essentially vanity, a marketing illusion whereby an expensive car confers elevated social status to whoever is driving it. Their transport needs could be perfectly served by an economical, reliable car (frankly, for a huge number of people out there, lots of their transport needs could be solved by a fricken bike) yet they didn't buy that.