I don't think that that is what she is saying, with regards to ETC card readers, some cars are fitted from factory and others are not, and if your car didn't come with one it was probably an aftermarket one that was recycled into their new car.
I have hade the Japnese woman's voice in my car, (factory ETC, nav screen up without the navi disc inserted and no extra button presses) I believe it had something to do with my battery being stuffed. I cannont confirm about seatbelts or fuel warning.