Premium users pay $300 to replace the fob on their Model S / Model X. Mid users pay $175 to replace the fob on the Model 3 / Model Y. And an entry level option exists for the cards. Plus programming fee. Handling fee. Local taxes. Processing fee. Etc :-)
Without control of their PKI anyone could self program a replacement for a few dollars as is the case with the garage door market.
As an aside, I find the fob useful for booting the car up prior to getting in, rather than waiting 40 seconds before the fly-by-wire shifter starts responding to commands to put it in gear.