I ran into the same issue, and the solution that I found was to find a smaller appliance dealer and get a commercial washer/dryer without the coin acceptor installed. The price is a little bit higher (about 20%), but in my case the washer and dryer (made by Speed Queen) has a 5 year warranty on parts & labor, and 10 year on a few specific parts.

All of the big consumer brands spend a lot of engineering resources on planned failure. My understanding based on talking to one of the engineers that works on this for a major manufacturer is that something like 50% of certain lines, subjected to medium/high use will fail by design between 36-40 months.