As it should be when you buy a product IMO. It only works out in high-trust societies and the business model is ruined by scammers. REI is a great example, some people would buy shoes, wear them out, then return them years later because the policy accepted it. It's obviously not a way to keep a company in business, but people just don't care because the reward for them is just too good to pass up.

There's a lot of overlap between protecting consumers and enabling scammers.