Wait, the fee jumped from $12 to $40 only AFTER you entered your card?

kicked in like a 3rd airbag" is such a perfect way to put it lol. But honestly this is the same thing as extended warranties on phones, we all say no at the counter and then something breaks and we're mad we skipped it. The gap stuff just costs more when you're wrong because cars drop in value so fast.

stuck staring at a monthly charge for stuff I don't even watch" is way too real, I did the same thing with a year sub for one show and now it just sits there draining my card every month. At this point I'm paying like $9 a month to feel dumb, which honestly is a steal compared to what therapy costs.