I agree you won't get a total dud of a battery if you can swap it, but why would I exchange my brand new battery for one that could potentially have hundreds of thousands of miles on it and therefore the range isn't nearly as good? It basically sets the guaranteed battery you receive as the lowest that Nio considers 'acceptable'.
In this model you would never buy a car with a brand new battery. You'd buy the car and pay the first deposit on the battery from the dealers swap stack.
The car would be considerably cheaper. Your battery deposit would be a lot more than people want but basically ensured enough capex to keep new batteries entering the market of rented/leased batteries.
Lambo and Ferrari might be outside the model. And top range models from any manufacturer. Any normal car would be in this framework. If you don't care about cost and delay to recharge you wouldn't want it. Trucks and ordinary mortals would really be better off.
