"If the car falls apart as you drive off the lot, you're out $35K." Obviously, cars rarely fall apart as you drive them off the lot. Yes, there could be unexpe

"If the car falls apart as you drive off the lot, you're out $35K." Obviously, cars rarely fall apart as you drive them off the lot. Yes, there could be unexpected expensive repairs. But there's basically no realistic scenario in which you're going to be out the entire $35k. I understand that you're exaggerating for effect, but it's this kind of thinking that convinces people to purchase expensive warranties that aren't (statistically) worth the price.