I doubt anyone in our group would ever consider their familiars to be "disposable." I know that they are made of fairy dust and only cost 10gp to make, but they also have cutesy pet names, and our DM gives them little personalities and mannerisms that flesh them out. They are more like minor NPCs than anything else.
My wizard has a tawny owl named Bishop who loves to stuff grass and twigs into the hood of my cloak (I think he's building a nest?) He brings us little flowers and shiny rocks to say 'thank you' for little favors...or he'll bring dead insects or poop on us to show his displeasure. He screeches when he senses trouble (or gets bored), and paces back and forth on my shoulder when he's anxious. The party loves and respects Bishop as our unofficial mascot. Sure, I could send him into dangerous areas as a scout, or have him deliver touch spells to monsters on the battlefield, but I rarely do. It's not worth the dead bugs and poop stains.
There was also our ranger's falcon familiar, Parliament. (Ritual Caster feat at first level.) He would deliver messages and scout the area for trouble, and would snap to attention and salute with his wing whenever the ranger gave him an order. During downtime, the two of them would perform in falconry contests to earn a bit of coin. He was also a literal wing-man for the ranger, always trying to set him up with attractive people they met around town.
I guess what I'm trying to say is, the Find Familiar spell is as big of an issue as you want it to be. Sure, you can use this spell to create a disposable creature that you can summon and destroy on a whim, if you want. But you can also use this spell to flesh out your character concept or backstory, or to add interest or tension to an otherwise boring scene. I think the issues you are describing have more to do with player expectation than the wording of the spell.