I already agreed with you that I doubt Lucid is actively conspiring with insurance companies to total repairable vehicles in order to generate new sales. But the argument you've constructed to support your position is illogical and untenable.
An insurance company will not choose to repair a Gravity if the cost is $250,000. State laws and insurance contracts preclude them from doing so and suggesting it's a "choice" they could otherwise make is disingenuous, at best. In the context of this conversation, Lucid's decisions and insurers' fiscal reality, your first sentence reads as absurd. Ferrari, to my knowledge, do not require an extra (seemingly arbitrary) $50,000 on top of service and parts to put a vehicle back on the road.
Your argument continues to ignore and gloss over the fact that Lucid isn't simply requiring "parts and service" from them. They're artificially inflating the cost of repairs by requiring full reshells and exorbitant software costs to unlock vehicles from a locked out "Service Mode." Every adjuster has to take the cost of those decisions, wholly made by Lucid alone, into account when determining the repair vs. payout decision.
Regardless, speculation as to why Lucid has chosen to make minor repairs untenable and fiscally unsound aside, the reality of the situation is that locking a vehicle out of serviceability via software alone is not going to withstand judicial scrutiny under MA's Right to Repair laws. I suspect that's why Rich Rebuilds undertook this project so that he could gain standing to bring suit against Lucid in the same way he did against Tesla years ago.
Again, I don't know why Lucid is making these decisions but I've demonstrated why it's inaccurate to claim they are being made by 3rd parties or, at minimum, to ignore the 3rd party decisions are fully dictated by Lucid policy. But it's a more robust argument against a conspiracy to sell new cars by pointing out insurers' payouts are limited to market value and so payouts will generally only enable an insured to replace "like for like" or, in other words, a used Lucid.