If warranties are for when things break on their own, and insurance is for accidents, then we should have a separate "warranty" for heart attacks vs "insurance" for trama

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You’re pretty screwed when your insurance company refers you back to the manufacturer for repair.

“Hello; God? It’s me Margaret. I’d like to request an RMA for this kidney”
- Need to buy that extended warranty...
- “Sorry manufacturer defects aren’t covered under insurance.”

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