Progress and technology cost money. Backup cameras, touch screens, automatic braking, auto-driving, blind spot monitoring, electronic door locks and so on are not cheap to buy and is definitely not cheap to fix. Special programming, rolling access codes, unique connectors/bypasses, and the like make it cost prohibitive to stock all that stuff in your garage or learn how to use it. You get your 3 years (or 36K miles) to work any production kinks from the factory, after that you're on your own (except you get a little more time with the drivetrain).
Because just about anything even semi-major will require the dealership to deal with it yes, I have an "insurance policy" of an extended warranty.
I didn't have an extended warranty on my last truck because I could buy a new part on-line, get my tools out of the garage, unbolt some stuff, put the new part on, and then drive the truck. No VIN-matching modules to "talk" to each other, no special codes, no dealership passwords/access, and no software manipulations. I may not have been as quick as a certified mechanic but I know it got done right and it saved me $150/hour.