All recycling is lucrative if the amount of value extracted is greater than the amount of work it takes to perform the recycling. But make disassembly and extraction too difficult and it no longer becomes lucrative.

I doubt insurance companies have had time to adjust rates, since that's largely a reaction to repair costs.

I doubt FSD is the answer, unless it in fact works as advertised (questionable) and insurance companies give you a $12,000 discount on your rate.

At the moment, however, it's just a $12,000 surcharge that doesn't do what the name promises that it does.