Never had a cordless drill motor burn out in that way, or known anyone else’s do it – I’ve had the brushes go (but the motor just stops working, no drama), and on some models they’re easy to replace, and I’ve the gear boxes and clutches wear out. Smelly burn out smoke I’ve only ever had on mains powered tools (so far).
Its possible you can get a replacement motor for it – google the make, model and ‘spares’ and you’ll find a few outlets in the uk that stock the bits
Unless it was displaying any of that behaviour when you first used it then the seller wouldn’t know or expect it was likely to behave like this