Blaming regulations for your decision to get a crappier warranty or SLA than you could demand elsewhere is like blaming your car manufacturer for the availability and price of fuel.
If the only solution is to purchase a better warranty, then it seems that creates a perverse incentive for Apple to break devices which each upgrade, and only provide fixes and service to people who pay more money, in order to bilk customers to maximize profits.
I wouldn't consider this an ethical or honest way to do business with users. It is a completely valid criticism of a way of doing business.
For emphasis, this isn't a unique user-created problem, this is a problem that is originated with Apple.
It's also issues like this that will ensure that my current and first set of Apple devices will be my last Apple devices.