Of course you have to pay if you are stupid. Same thing if you destroy your gas-powered car on purpose using some other method. It is not a 'fail', which implies a manufacturing error or similar.
It will eventually be "bricked".
Just like gas-powered vehicles need to be maintained, so do electric ones. EVs actually happen to require less maintenance. Simpler too. I would say that the EV equivalent of oil changes is to keep it charged above some minimum.