yes, and that’s all fine and great, but you’re forgetting something very important.
You’re dealing with a company. They don’t care what you did to the phone, they don’t care if it was your fault or theirs, they want money.
Also, if Apple did the exact opposite and gave everyone a 14 pro max 1tb as a loaner, you’d have the exact opposite complaints here. People complaining that Apple force them to go back to their 64 GB XR instead of letting them keep the 14 pro max for free.
Of course you’re going to get an older outdated model, you are using the phone totally free and if it breaks while it’s in your use, it’s not that big of a loss for them.
Let me ask you a question, let’s say you break that XR totally on accident. You just destroy it, run it over with a car or something. Would you rather pay the $300-400 to replace that, or pay the $2000 to replace the shiny 1 TB 14 pro max they gave you.