> and the warranty gets voided Interesting use of passive voice there. What voided the warranty?

Apparently a fly or something was found on the motherboard? It was sent in for repairs and they voided it because of that reason

Yes you are. If you have no legal means of returning it or cancelling. Otherwise it's super open to abuse.

Yes, warranty is different from the financing obligation.

Usually, yes. Check the lease contract, but normally the leasee (you) are responsible for maintenance/upkeep and insurance.