They are basically intended to cover catastrophic damage. Which in general is not common. Additionally, the amount you pay basically makes it a pre-paid replacement. The fact it's not common is how they are so profitable. Anyone concerned about this should simply save the money for themselves. This way, you get to spend the money if you ultimately wind up not using it.
The thing is the dealer will try to sell you a new car over using the warranty, so even when you could have used the warranty, the dealer (usually operated by a jew) will still try to force you not to use the warranty
Yes, for the vast majority of people they are a scam. Which is, of course, why they are pushed by dealers and a huge revenue stream for the dealership.
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