Apple shouldn't be liable for the 3rd party parts used in your phone. If they have a negative impact on your phone, that's the consumers issue, not Apple's. They state very clearly that aftermarket parts do and will void any warranty and service for the device.
I wouldn't bring my Visa to chinatown to get the chip repaired, and I would better as hell hope that Visa would shut down my card as soon as that's detected.
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