.....If you rent/lease a car and it develops a defect and stops driving and the dealer/manufacturer offers to replace it for FREE, but only if you send them $20 to ship the free replacement part and your only option to avoid the fee required for the free replacement part is an insurance program they offer which costs $70 a year you wouldn't find it to be a bit troublesome?.....
Actually, if you lease a car and it develops a defect AND IS UNDER WARRANTY, the dealer will repair the vehicle UNDER WARRANTY. There is not an automobile manufacturer that will replace or repair a vehicle just because is is leased, your argument has no merit. If you don't want to call and see if they will waive the $20, then pay it, get the protection plan, or switch providers. There is no principle here, it is your choice as to how to proceed.