What exactly are your symptoms that you think it’s a bad transfer case? Wheels spinning isn’t likely to be able to tell you anything about the transfer case.

Part of it is that people who are terrible drivers know they’re bad and drive huge vehicles to feel safer for when they inevitably hit something. SUV and truck drivers are also more far more likely to go out of their way to hit animals as well, so they’d care less about hitting people in the first place.

Backup cameras are for making sure children aren’t behind you when you reverse primarily. You don’t need to see every pore on their face to not run them over. There’s barely any benefit for a large cost increase. That money would be better spent making more parts in the engine bay out of metal instead of plastic.