Only by the maniacally inconsiderate or self-centered...
That pretty much says everything about your science background...
Look, science has many deficiencies. The biggest one - it very rarely answers real-life questions since its axiomatic base isn't rich enough to cover real life.
But in that very rare case when it is able to model real-life events - Is it worth to buy extended insurance on home electronics? is one of them - it gives one definite answer.
Arguing with scientific conclusions has been proven futile over centuries - just look at the history of religion.
Does this mean extended insurance won't be sold anymore? No.
Does this mean it won't be bought? No.
6/49 gives you one in 14 million chances to win and people are playing like there is no tomorrow...
Does this prove science wrong? No
Does this mean people are stupid? Now you are talking...
Statistics gets a bad rap mostly because most of the textbooks start with the flipping coin example and that makes Joe Six-pack believe he understands...
Business statistics is somewhere half way: 2+2=4 most of the time...
I do numbers for a living. Always did. And I don't argue anything but numbers...
And thankfully there are still places where you can get a degree studying science only without digging into the definition of "reasonable"...
Take care.
Diogen.