[Cyberdemon]

Gap insurance is also included on the majority of standard lease contracts, and in some states is mandatory. BMW, Audi, Volvo, Mercedes, all the luxury brands that I can think of typically include GAP. Usually it's discount lenders or third parties who might not provide it. So it's not an extra you need to typically pay for.

I also keep in mind that the vast majority of people have zero comprehension of how a lease structure works. These are the same people that put $5,000 down to get their $499 payment on a car, then total the car and wonder where their money went or are asking for a $10K down payment on a lease swap.