I think the "Big 3" need to collapse completely before they can be restructured into a competitive alternative to Tesla. Three things need to be eliminated if they are become viable;
1) Dealership networks are entrenched by law and inflict maximum pain on the customer as a business model...
Look on the bright side. If a vehicle as tough as CT is totaled, you'll probably die in the crash and won't have to worry any more.
**NOT A DEATH THREAT; JUST A JOKE**
You're right. How could Tesla have overlooked the likelihood that one person could totally destroy three cybertrucks in a row. Such a person should never have to incur any financial loss.
FSD is a feature of the vehicle. If the vehicle is gone, the feature is gone. What did you expect? A golden ticket that stays with you for the rest of your life?