The question is, are people buying these products for that peace of mind, or are they buying it because they are not a savvy consumer? Or worse, because they a

The question is, are people buying these products for that peace of mind, or are they buying it because they are not a savvy consumer? Or worse, because they are over leveraged and unable to fund a replacement without an installment plan – so they have no better option? I’m not sure. I can see a consumer protection argument to be made.