Obviously, I can't answer it as an engineer behind one of these engines would. I think this falls into category of "Lifetime" components, just like lifetime atf, coolant, etc....
Since the chain itself is metal, its much much much less likely to break than timing belt. That said, if it stretches, it is likely to show up as a malfunction on the car, before the
engine grenades itself.
Anyway, every component of car wears out with time. Just like replacing a tranny is not a maintenance item, chain will typically last the life of the typical car typically

I was recently watching a video by ETCG, where he replaced a chain on Nissan something. Holly crap, that was a big job.
I don't know what that job costs at the shop, but dare I say, that in vast number of cases, the amount spent on this repair could approach the value of the car if done around
150-200k miles. It could be cheaper to swap in a new engine.