Your analogy was clear, but the point is that those two Bolt owners have no real control over their car's hardware whereas Mac owners have lots of control over what software they choose to install, and there are hundreds of developers responsible for ensuring their software is compatible with new versions of macOS.
These forums are full or people reporting problems, like the guy who visited a website, followed the prompts to copy and paste a command into Terminal then give it permission to run by ignoring the warning from macOS's Gatekeeper. Was it Apple's fault that he hosed his system and his personal data were sent off to some malicious actor?
Incidentally, booting in Safe Mode does more than just disable 3rd party extensions. It performs checks and clears many system caches, including the kernel and user services caches. It removes enough 'chaff' that Apple recommends it as a way to temporarily free up storage space on your drive, e.g., to perform a macOS update. Many users with various problems have reported that a Safe Mode boot followed by a normal reboot fixes their various issues. But you knew that, I'm sure, which is why you are certain that trying it is futile and not at all worth the serious effort of holding down a button for a few seconds, followed by a keypress, a click and some patience.
Apple will only take note of a problem if people report it using the Feedback Form. They don't monitor or peruse these forums. But they also have to be able to reproduce the problem. You might consider contacting Official Apple Support, since like the feedback form but unlike posting in these forums, that's also a way to make Apple aware of problems. I repeat, good luck.