Earlier quoted context omitted.
I agree with you in principle, but disagree in practice. For every person who knows what they're doing and can trust themselves, there are 1000 who will install malware and other crap and end up at an Apple store getting it fixed, and they'll blame Apple instead of themselves.
You talk like this is some unique problem. This has been solved for a long time. Warranties have terms of service. If your car is under warranty and the engine fails due to a defect, warranty covers it. If your engine fails because you drove it into a river, then the warranty don't cover it and you'll pay out of pocket for repairs.
I feel like I have to be misunderstanding you because that makes no sense.