This is something that bothers me as well, implementation decisions are what drives this a lot. I have a nest thermostat and it seems like the app decides to log me out randomly every once in a while and I have to go through the whole login/2fa process, sometimes in the middle of the night when trying to adjust the temp! There is no need for internet connected thermostat most of the time, I would much prefer Bluetooth with no login needed ever.
My Tesla Model 3 _can_ remote start the air conditioner via the cellular network, but it can also work via bluetooth if I'm within maybe 20 to 30 meters of the vehicle.
I'm only familiar with the systems where the fob is still just a proprietary remote. It also has a phone app, and that's what costs extra. The fees are too high, but the existence of a fee is sensible.
99.9% of the time this feature is used to start the car when the driver is within 50 feet. There's no need for it to be relayed through the Internet.