Essentially all manufacturers have that policy, because key replacement is a profit center for dealerships. Independent auto locksmiths depend on third-party programming tools and keys by companies like Autel and Xhorse. There's a constant game of cat-and-mouse, with manufacturers developing new immobilizer systems and the third-party companies reverse-engineering those systems. An auto locksmith with the right equipment should be able to copy a key, remote or keyless fob for any current US Toyota model.