"We believe these changes will also help prevent a fire resulting from an extremely high speed impact that tears the wheels off the car, like the other Model S impact fire, which occurred last year in Mexico. This happened after the vehicle impacted a roundabout at 110 mph, shearing off 15 feet of concrete curbwall and tearing off the left front wheel, then smashing through an eight foot tall buttressed concrete wall…
Yeah that's crazy. Because in the old Beetle I got, you had to be careful not to push your feet through the floor to the street. So why would car need to be protected from such extreme underbelly damage, it's not normal in any circumstances.
Here's an article about road debris in a normal car (not even your Beetle, where it would have easily killed you): "a sizeable chunk of angle iron that actually tore through the bottom of the vehicle, found lodged in a portion of the backseat." (https://www.westerndirect.ca/learning-centre/insurance-news-...)
The reason the car "needs" to be protected from such damage is the media attention, not because it's unusually unsafe.