Buying Retail

sure, they all mention it, and mostly drop it when you say no thanks

and they'd frame it differently "hey, about one in 1000 does have a problem and needs to be replaced. Item's $500, warranty is $15, do you want it?

Circuit City went full Boiler Room
I worked at Cowboy Maloney for a short while. Selling warranties is where the salesperson gets their money.