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I also am uncertain about the 2nd hand value of electric cars. Don't know how much battery degradation kills their range...
There is a lot of FUD paid for by the oil industry on this subject.
BUT in EV circles, you see stories like:
https://insideevs.com/news/592845/tesla-model-s-passes-1-million-miles/
Generally the battery will out last the rest of the car. The warranty on the battery is normally 8y/100000 and it will absolutely last longer than that.
Batteries that out live their car are already a thing and getting a second life as static power storage. I know if some in homes, but I also know of plans to have them in big banks for grid level backup.
It's not that risky, the battery are designed to last in a way iPhone battery aren't. iPhone batteries if anything are designed to not last!
At the cost saving, maybe the "risk" is worth it. My commute was costing me £16 a day in diesel, now it's £8 of kWh and as of Friday, when I get the night rate, £2 a day. So yes, my monthly repayments are a bit more than they were on the diesel, but minus the fuel saving of electricity over diesel, it's substantially less.