I think the idea is to create a minimum standard of service, so people have the same base expecations. If businesses started selling a lower-priced with zero-guarantees model (which is essentially gambling), it will become a race to the bottom with an abundance of scammers. It would be hard for users to tell if a certain price point means 20% chance of dead-on-arrival, or 80%.
But these issues only occur at scale. As long as PinePhone is able to keep their zero-guarantees model under the radar, maybe it's fine