I thought the main issue, ICE or not, was that a low energy crash after 10 years makes it a total loss, insurance wise. So drive enough miles in, say, a random US urban highway/stroad environment and you'll find yourself having to change cars regardless.

It's a bigger problem with a Tesla, as there is no sensibly priced repair network, and getting original parts has lead times that will lead to replacing the car.

I suppose, but most people don't crash their cars that often. If they did, insurance would basically be unaffordable for most people just based on statistics of how much they'd have to pay out. No one in my family has had a major crash in 25 years.. most people I know haven't. Like all other things, I think it's a pretty skewed distribution. I dated a girl once that got rear-ended several times by age 30... You can tell something about her driving from that. Her record will show she's not at fault ever and gets good rates, but she causes accidents.

Those cars are often bought and fixed and sold on the market. Others go for parts to keep the rest on the roads.