Suppose you were the sort of person who used on-line banking.
And suppose your bank had decided to increase their level of internet security.
And suppose the increased levels of security meant that they sent you a special electronic card reader for use with your home computer.
And suppose it arrived on a day you weren't expecting it, and was small enough for the postman to post it through your door.
And suppose you got home late and the light switch, for some reason best known to the previous owners of your house, was on the opposite side of the room from the front door.
And suppose as you stepped through the front door into the dark room, you stepped on something that was on the doormat and heard an unexpected crunching sound.
Do you suppose your bank would send you a replacement card reader without charging you an arm and a leg for it?