If you and BMW are correct - if we take it for a fact that a simple fender-bender can make batteries develop life-threatening faults, which absolutely require a 4k euro inspection that involves complete disassembly and specialist equipment, then that means that EVs are unsuitable for public use.
So either all EVs need to be scrapped forever, or BMW needs to engineer a more tractable solution to the problem, or BMW is overreacting and overcharging customers.