I do feel for you and as @-Robot- says as customers here we're unable to further this for you.
Usually the Samsung Service Centres decision is final.
Technology can and will fail whether the phone is in or out of warranty.
This isn't always in direct conflict with an accidental drop or bump or water damage.
The failure and the Android¹³ update could be a coincidence.
Can you look to any other insurance you may have such as Home Contents Insurance maybe ?
Other than that the warranty term has it's own Terms and Conditions And costings for an official repair.
I can't speak for the Apple repair as we don't know the full particulars of that instance you raise.
I have seen some tweets from owners in regards to the pink line appearing which I've had on a phone before which is the result of the connector between the display and internal boards.
The display was replaced free of charge under the manufacturers warranty.
If I can be of any further help then please don't hesitate. Take care. 😎
Daily Driver > Samsung Galaxy s²⁴ Ultra 512Gb ~ Titanium Black.
The advice I offer is my own and does not represent Samsung’s position.
I'm here to help. " This is the way. "
