An insulated box with a decent compressor does not cost 10k. Making a compressor that fails after 2 years is actually hard to do, something both LG and Samsung spent time and money to achieve.
Consider, for example, that nearly every car manufactured with an AC. Which is exactly the same tech as a fridge. Yet you rarely end up needing to replace the compressor on your car. You might need to recharge it or clean it, but not replace the compressor. 10k of your car price isn’t the HVAC.