According to this comment thread and the article, these cars have abruptly stopped functioning with no warning. Do you not think it is only a matter of time before that occurs in a dangerous situation? Insurance companies base their decisions on statistics and probabilities. It is very much related to “hypotheticals”.
You did not.
This was the first time you made this point, so not sure why you say “again”.
They likely won’t disclose the real reasons. However I’m yet to be convinced that reliability wasn’t taken into account.