You're one of quite a growing number of folks who have said the same thing.
When I first made the $5K law, I was roundly tarred and feathered by a few folks ("MY car could never need anything.....it is PERFECT!").
When I extended it to the $10K law, I was almost burned at the stake as a heretic by my own forum members.
I don't think the newest "$20K" law has sunk in enough yet, to cause outrage. Because, COVID.
View attachment 121592