I agree with the idea that if you broke it, you pay for it. But if FFG is willing to replace it, then why not try for it? If FFG's customer service is good enough to replace peoples broken ships, then I can't see them factoring those costs into the retail costs of their products. It wouldn't make sense to annoy the majority with higher expense just to keep a small number of customers happy. And even if FFG does factor those costs into their products retail, then so be it. What do you think FFG's costs are for producing each ship? So even if they handed out say 1000 fighter replacements a year (which is probably a really high figure), what do you figure that combined cost devided between all the product they sell would work out to? Probably not even pennies on each model. I personally would be just fine paying that extra cost for that kind of replacement service. Sounds like a good insurance policy to me!
If I get away with buying bootlegs, why not do it?
If I get away with tax fraud, why not do it?
If I get away with stealing, why not do it? ;-)
People have different moral compasses and some find it offensive when they literally have to pay for the silly mistakes of others. And paying we all do for the generous replacement policy of FFG. I rather pay a few bucks extra per ship and have this policy in place, but at the same time I would never dream of to abuse the system in way to make others pay for stuff that I broke.
Some will agree on that others won't, doesn't really matter. We are talking in this case of optional social conventions.