Marketing people may be the biggest criminals of all

Just received an official looking notice that states the home warranty insurance that the bank that holds the mortgage on my house "may have" is expiring and time is running out for me to renew the warranty. In the itsy bitsy legalese at the bottom it acknowledges there may or may not be an existing policy. I figure the odds are not, but they do have the address, my name, and the bank's name all correct, and having just replaced both HVAC and a refrigerator, I decided it prudent to call and just make sure they weren't at least partially covered. Chatty Becky was friendly, cheerful. I will give them that. After the second time I point blank ask if the bank had a warranty or not, she confessed they did not. There just isn't the satisfaction in disconnecting that you used to get with slamming down the receivers on landline.