If you mess with the central electronics of the car I'm sure the car could choose to disable itself and they wouldn't owe you a cent.
If a car fails, people can die. If a phone fails, it normally doesn't have a huge impact.
If a car disables itself, because the central electronics were messed with by laymans, not some repair shop, it is in my opinion totally okay, as it would otherwise endanger humans.
But for a phone/other non-critical electronics, there is in my opinion no reason why its functionality should be reduced, just because you did something harmless like unlocking the bootloader. (In this case, the camera could still make photos, just without the fancy patented/copyrighted algorithms)