Black lines and ghost image on screen for iPhone SE gen 2

Several days ago, just after updated IOS 17.0.2, when I was using twitter in bed, I noticed the screen was full of tiny black lines. At first I thought it was some kind of effect in the app or something since those lines are so thin (1 pixel) and keep exact same distance (3 or 4 pixels) from each other and it seemed disappeared when scrolling. But then I realized it was an issue since it did not disappear after quit the app and I even noticed some ghosted images burned into the screen especially noticeable when looking at black image. Those ghost images will disappear if turn off the screen long enough, but will burned again when using it.

After updating IOS 17.0.3, these lines are still there, so I guess it is a hardware issue instead of OS bugs.

My question is since this phone has its warranty expired, does that mean I have to pay if I want it to be repaired? Since I never bullied it (never drop or put under water, and it even has some level of water resistance) and used it with care, it raises the concern: Is iPhone SE’s quality really this bad? The screen on it could only last for 3 years of normal use? Or does it actually some sort connect to the new OS which is too powerful for this cheap phone?