I bought a two-tone Indian Roadmaster in March...garage kept, no paint issues at all. When I see posts such as the one you referred to, I want to know the history of the bike, i.e., was it kept near the beach and rarely washed, did the owner store it in his shed beside 500 lbs of fertilizer, etc.? Looking at the pic you posted, it appears the leather had not been maintained by the owner too...is that an indication of his maintence of the whole bike? Indian, like any other company, can't produce perfect products...is it possible this guy just got that "one." I see on your pic you're standing beside a yellow SESG. Didn't HD have to discontinue that paint scheme suddenly, in mid-year, due to poor paint? I seem to recall many complaints on this forum about 2015 CVO paint issues.
The Indian poster also said the bike was out of warranty, so it wasn't covered by Indian. You seem surprised; however, I wouldn't expect a manufacturer extend coverage past their stated warranty period.