I think the answer here is an internal USB modem or something. Easy to upgrade. Just up to the car manufacturer to commit to writing new drivers. (I assume that they don't want to do this, so are probably happy when technology changes out from under them. Everyone has to buy a new car!)
- Car stuff has to deal with a way wider temperature range than normal consumer stuff (-40 to +125 °C). That is the thing that makes silicon so expensive.
- Car stuff has to deal with vibrations and mechanical stress, meaning more expensive PCBs, less options for solder (remember the infamous NVIDIA solder issue of ~2010?) and connectors
- Car voltage regulation is a hot mess, at least for ICE vehicles - IIRC during engine start, voltages can drop to something like 6-ish volts and after that (or during battery disconnects/other load dumps) into 120-ish volts, and the voltage has an awful lot of ripple because usual generators are AC that's driven through a diode rectifier, with the battery acting as stabilizer.
- Most stuff in cars requires hours of work to replace it - Tesla were to my knowledge the first ones who did software updates outside of shop visits at all.
https://electronics.stackexchange.com/questions/301826/how-t...
(Before anyone replies about $20 SDRs, those aren't even close to 4G/5G capable.)