You're trying to tell me every single passenger car made today at that price level is guaranteed to suffer a breakdown severe enough to require a loaner vehicle within it's first 100,000km?
Because none of my vehicles at any price ever suffered a breakdown so bad the vehicle could no longer be driven, even my LX.
Guaranteed? No. However, there is a good chance that any newly purchased vehicle will require a loaner, be it for warranty repair, or service work. For the JD Power 2022 Vehicle Dependability Study, measuring 3 years of ownership on 2019 models here is the average reported "problems" per 100 vehicles
"Owners of mass market vehicles experience fewer problems
: Mass market brands average 190 problems per 100 vehicles (PP100)."
Link here: 2022 U.S. Vehicle Dependability Study
That means (again on average) you can expect your brand new vehicle to potentially have ~2 defects that need repaired. Supply chain remains a huge hold up too. Let's say it's the nav unit that is bad. Dealer tells you "come back in 3 weeks when the part is here and we will get it installed same day". Halfway through the fix they also notice some other associated part is bad, and maybe they can fast track the part in next business day. Well if it's Friday, your car is torn apart and undriveable, so now you need a loaner.
This is just the reality we live in, particularly now with supply chain shortages.
It's not just catastrophic failures that require a loaner, it's also some fixes take a lot of time and care to properly disassemble, repair, and reassemble. Especially the more advanced vehicles become.