>>> Less "plan ahead", more like "shops want to sell you insurance for
>>> everything!"
>>
>> And five year extended warranties. You can end up paying more in
>> insurance than the thing costs.
>
> What, like £90 to insure a £100 crystal ornament for a year?
>
> Yeah, I told the guy "if it breaks, I'll just buy a new one". And when
> my mum broke it, I bought a new one! :-P

I normally just tell them that insurance companies only exists because 
they charge more for the premium than they expect to pay out on average. 
It's amusing then when they try to argue against this point.

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