Why don't you add anywhere to that list? If the car drives itself, why is it geofenced into only places google has HD mapped down to the centimeter. My car can drive itself to Tahoe, can a waymo?
Waymo's strategy is to be extremely cautious and slowly improve the system and increase its scope over time with the goal of establishing self-driving cars as a long-term viable solution. They know they need to increase the trust of many people. Therefore, they geofence to locations where they have an understanding with the local politicians and government, near support facilities, and high quality data.
Tesla chose a different strategy. It's hard to collect enough data to know exactly how safe it is.
That is the difference between "safety first" and "my personal convenience first", which again boils down to insurance liability.
As long as you pay for the people you injure and kill on the way, you can let your Tesla drive you anywhere, even if it can't do it. You can let it try, and maybe it fails. That's totally fine. You will be held liable, but you get to enjoy your trip to Tahoe.
Self-driving companies that have to pay for the systematic faults of their systems will usually move different.
Because Waymo is not stupid enough to take liability for a situation which they aren't extremely confident about. Tesla is also not stupid; they just don't take liability period.
