At least here, their care isn't really optional. It's their responsibility, since it's their service. I think they have to prove it was through my own fault in

At least here, their care isn't really optional. It's their responsibility, since it's their service. I think they have to prove it was through my own fault in order to brush it off, and that's difficult. Difficult enough that when I had to get my money back (lost due to fraud), they didn't ask more than a nominal set of questions.