What you describe has a lot…
What you describe has a lot to do with high automobile prices. Even a relatively normal ICE vehicle has so much tech in the bumpers and mirrors that a minor fender bender costs thousands of dollars. There is a remedy, though: buy older cars. When my daughter wrecked her 2022 Hyundai Sonata, it was drivable but totaled by the insurance company. I replaced it with a 2006 Prius with nothing but liability. Liked it so much, I sold my 2023 Miata and bought a 2013 Prius.