Presumably the battery network would have insurance and would factor that into the cost.
(I’d expect that all-in, this gets a lot closer to the cost of a gasoline fill-up. My current charging costs are far lower than the equivalent cost to fill up with gasoline, but my primary interest in this is environmental. I’ll take the lower cost while I can get it, but I don’t expect it to last forever.)
But it begs a question, who’s liable when the battery is swapped to some faulty unit that catches fire when it’s in your car?