Pure speculation:
1. When you insert a USB drive, the software “indexes” it - looks at each individual file to learn title, artist, genre, cover art, etc so it can provide a list of music sorted the way you’d like to see it.
2. When the computer goes to sleep, they need to store this information some place so they don’t have to re-index every time you get in the car. Tesla for some reason doesn’t want to write to your USB music drive, so they were storing that information on eMMC or some other internal storage medium.
3. To reduce the space needed on that internal storage, they choose to eliminate the cover art, which likely takes 100 times more space to store than all the other info.
4. Now, there are much more logical and simple) ways that they could solve this issue if the USB music Player was of any priority to them. Obviously it isn’t, so don’t expect any solution to this problem any time in the near future.