Well I never complained about the price. I fully understood the price. I paid cash and there were two factors, one the lowest price listed was 400 bucks for 2 years on the camera and lens, i did not have that money on me. 2 if I would have sat down to fill out the warantee paperwork I would have been late for work. I went online and found the 1 year plan on the lens. The camera is fine, the lens is all that broke, and as far as fraud, I would consider it bad luck, and I feel somewhat guilty, but I would have got insurance on it within ten days anyway, it just happened to be the same day I bought it. All my other expensive stuff is insured right now, except my computers cause I can fix them myself lol.