Isn't it more like the brakes failed to operate and since I didn't pay for the "brake system inoperative" light, I have to figure it out on my own and turn off

Isn't it more like the brakes failed to operate and since I didn't pay for the "brake system inoperative" light, I have to figure it out on my own and turn off the primary braking system and apply the emergency brake? If I have enough experience to know (or happen to have another driver with me that knows) what to do when I press the brake pedal and nothing happens, it's recoverable, otherwise I'm going to keep stomping on the brakes and fighting it without knowing that all I have to do is flip the switch to disable the broken braking system. So it's not that I had no way to know how to get out of the situation, I didn't have the specific training to recognize it, and if I'd just paid the extra $100 for the light, it would have been much more obvious.