No it isn’t. Sure if something break it’s expensive to fix, but it doesn’t break. That’s the trade off. Do you want a transmission that will break every 3 or 4 years but costs less than $1000 to fix, or a transmission that probably won’t break while you own the car but if it does will cost $4000 to fix? You want the later, because on average it’s cheaper. Plus of course there’s the maintenance plan. If my transmission breaks it will cost me $0 to fix, because it’s covered.
Freepers are more affluent than the average American and it shows in the ridiculous comments I see. When you are young and starting out you end up needing a car that does one thing, starts up and runs. You don’t need to drive a space shuttle to get you to work and school.