I don't think the problem is that a car broke down (happens to any car). But the higher end the car, the higher end the service you expect. A Ford Focus is anything but premium so I'm sure few people expect premium services attached to the purchase. A ~$60.000 car is a different story.

I think he’s saying, you front pay service in luxury brands. Of that $57k, maybe $2k goes to a potential loaner fund maintained by the dealer.

Both my Toyota and ford dealer, for example, rents their cars for competitive rates (compared to the local enterprise). They are nice enough to give you a shuttle service between working hours up to 10mi away, but that cost likely comes out of the Service Center budget (hence the $49 tire rotation service cost)