Extended Warranty: The Fine Print Industry Built on Fear

Extended warranties aren't insurance. Legally, they can't even use the word. They're "service contracts," a separate category with none of the payout rules that protect you when real insurance is on the line, and that one distinction explains almost the entire industry.

This episode traces how a fringe product from the 1950s turned into the reason a TV or a refrigerator costs the same everywhere you shop, why the pitch always lands at the very end of checkout and never before, and why the industry keeps growing every year no matter how many times consumer advocates warn people off it.

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