I did say "maybe." My point was that they certainly will not pay it back with the interest the money could have earned in, say, an investment-grade bond fund. A bigger question would be, if the company went under (FSM forbid!), where would battery-replacement contract holders stand with respect to other creditors? I understand the reasons for buying the contract. For myself, in my circumstances, I'm betting the batteries last longer, rather than shorter. As I said, there are risks both ways. I don't believe it's a simple question of $12K now vs. $20K in seven years and investment opportunities in between, since the price in 7 years is unknown, the available pack in 7 years is unknown, and the condition of the pack in 7 years is unknown, although the harder you drive the more it's likely to degrade. Even now, after only 2 weeks, I'm doing fewer jackrabbit starts. And I charge and drive in Standard. I think my batteries are going to last me 15 years. (100 miles of range is adequate for me.) If I'm wrong, I can afford a new pack. Just my decision, based on very personal style and circumstances.