I think the people that replace fuses are aware of the potential issues around them. The article - which I'm sure you've read so don't take this as commentary on your comment - details that in other electric vehicles, for instance Tesla this is handled quite differently:

"While Tesla’s pyrofuse costs €11 and the BMS reset is around 50€, allowing the car to be safely restored, BMW’s approach borders on illogical engineering, with no benefit to safety, no benefit to anti-theft protection — the only outcome is the generation of billable labour hours and massive amounts of needless electronic/lithium waste."

It's not a choice between 'ridiculously inaccessible with the potential to create more damage than your car is worth' and 'push to reset'. There are many options in between, some of which would be a happy medium between the two that protect both safety, the environment and the customers' wallet. Which BMW's solution clearly isn't.

1) a lot of people aren’t aware of that issue with fuses, and just keep replacing them while burning up wiring/ignoring actual problems. Or even worse manually bypass. It may be the case in this scenario (a crash), which is why they are forcing an inspection because the car might actually burn to the ground.

2) ridiculous repair procedures are the norm for BMW. The only brand I’m aware of that is somewhat common and worse is Jaguar.

I get the complaint, don’t get me wrong, but it’s a bit like a Lotus or Lamborghini owner complaining about the rough ride.

Like what did you expect bro?