It's becoming more and more common. And just because it's a common thing to do in credit card fraud does not make a good enough reason to design a system in suc

It's becoming more and more common. And just because it's a common thing to do in credit card fraud does not make a good enough reason to design a system in such a way that it is absolutely and entirely impossible for them to override it. It's also less of an issue for consumers entirely as it's your credit card processor or bank that takes the risk, not you. The risk is much bigger for HTC and that's what they're covering for. Pro-consumer would be to let the consumer pay for his device to be fixed. Pro-consumer would be to not charge them to fix this in the first place.