Also, there should be some universally accepted way to have access to your data and a secure personal computer in the duration your device is getting repaired.
Yes, exactly. When getting your car repaired there’s loaners or rentals to allow you to keep driving. Why isn’t a loaner computer a standard thing?
My local library will loan you a Chromebook for up to three weeks (three weeks reserved, can extend if there's availability) at no charge.