You just make of it what you want. Exactly what politicians do all the time. And blame experienced, professional pilots, which you call FAA trolls, who take the time to analyse and assess the risk you have been taking, for hurting your ego.
Do you honestly believe that DJI would have covered the damage if your I1 would have crashed down on a child?
You've just being treated with customer care goodwill, and you're a very lucky person. That doesn't mean you're not responsible for your action. Which was: AFTER getting a very serious ESC warning: reboot, reboot, reboot, reboot, reboot, reboot....oh wait, warning is suddenly gone, let's fly!
Sorry but undeniably the pilots decision, ergo pilot error. I can't make it any better for you.
However, if this crash would have resulted in a fatal accident no insurance company would ever pay out. They would blame you as the responsible pilot. As the FAA would. And DJI probably as well, no such thing as goodwill after a fatal accident. And you wouldn't stand a chance in court.
Anyway, glad for you that DJI will replace your crashed bird.
Please act responsible the next flights.
Learn your lessons after this 'wake up call'.