SIM card? USB-C to HDMI cable? Microsoft Office? Cleaning cloth? Case? 4-way mains strip?
Does the Mac Mini come with everything you need to use it? Keyboard? Mouse? Monitor?
"What you need to use it" is completely personal and arbitrary - and can change with time.
In the past, you needed the charger because it was a unique, proprietary device with a proprietary connector, and using anything else was - at best - a case of "do you feel lucky". Now, any non-fake USB-C charger will charge your MacBook (if only slowly) and there's a wide choice of chargers - even from Apple - that can do the job while offering other features.
Apple already offered a choice of 2 chargers with the MacBook Pro, and all the EU required them to do was to add "no charger" to that list. Which they have done for the new MBP. The only relevant debate is whether Apple have passed on any resulting savings to the customer (rather than use the EU as scapegoat for a stealth price rise), or whether they should have shown a bit more customer respect by offering a free or discounted charger as an option.
Why tires?
OK, you need the stock tires if you want to drive it to your preferred tyre dealer to get better ones - but that's a false equivalence because you don't need to have a laptop charger in order to buy a better laptop charger.
Why not spare wheel, car stereo, heated windscreen, heated seats etc. - which are usually extras - or that anti-corrosion treatment that they always try and push on you? Why not insurance, car tax/license plates (depending on country) - last time I bought a car I actually had to prove I had it taxed and insured before the dealer would hand me the keys.
My PowerBook G4 came with a cleaning cloth, charger, various dongles for video output, etc. It felt like a complete package. I wasn’t having to buy additional accessories to turn on and use device unless I wanted to.
If you prefer to buy every part yourself that is fine - to each their own.
And others prefer to build their own computers from scratch. Again, to each their own.