It was that way when I worked there in the early 80’s. We were ordered to push credit apps and warranties - and big-ticket commission salespeople got fired if they didn’t sell enough of the latter. Sears has been pissing off its customers for a very long time.
I’m used to 1 on the credit card. And on something big the warranty the warranty. They seemed to have decided all the questions need an “are you sure” follow up, and $40 table top humidifiers are now “big” apparently.