I did not 'admit'. I was bluntly saying that from the begining.

Captain Kirk also did not like a losing situation. So he made changes. Difficult being in a situation that requires such significant changes. Luxeries such as cable and mobile phone must go. Move to where mass transit exists. Get a trailer to live within walking distance. Ride a bike. Get into a car pool. Move into a room in another house or with the rents. Options exist. Every one is poor. If a car failure would create bankruptcy, then your existing life style was too expensive.

Remember, a car typically costs somewhere between 50 cents and $1 per mile. Is that job paying so much more as to justify the cost of a car?

Insurance is not about reducing a cost of living. Insurance is for catastrophic failures - that exceed $thousands. Therefore auto insurance is essential. Warranty insurance is not.

The house always wins. Addressing a bad fiscal situation includes not buying a warranty to enrich the house. That warranty is a luxery. Cars rarely fail catastrophically. Money must be directed to more useful items such as food. Whatever is needed to avert that cash flow problem is definitely not found in warranty insurance.

Contradictions mean you have misread what was posted. Insurance wa never to reduce costs.