Earlier quoted context omitted.
Yes, it is insane. It's a fuse. They must have some stats on how often those things need replacing and it should have been accessible. The customer has - when they buy the car - absolutely no way of knowing what kind of surprises like this there are hidden in the vehicle and besides, it kills the second hand market so you can only trade your vehicle to a BMW dealership where they can absorb those costs for a fraction…
Fuses are not items that should be replaced normally - they are self-destroying emergency protections for the electrical system. If it is protecting that end users can plug arbitrary loads into, that is one thing - but this doesn’t sound like that? Why did that fuse blow? Because if that is not addressed, it’s likely to just blow again.
It is unlikely to blow again under normal use.