Blame the "B Schools". They perpetrated a belief that you do a deal and you have to make sure you leave nothing on the table. and maximize each and every deal as if it was the last time you'd see these people. I was, for many years, a foreign exchange trader. I was taught you always made sure a deal was fair because unless it was a good deal for the other party because you wanted them around for the next deal.
A dictatorial management created the need for the associates to have customers sign refusals of extended warranties. The commission that sales associates were up for was presumed the incentive. They made the sale or they didn't. The only reason that they instituted customer refusal statements was that the lack of such a sale resulted in disciplinary repercussions for the associate by store management and for store management by corporate management. In the end the customer was less important than the sale. That was not true in the past.
It's not just retail that went this way - seems to be the way of this "brave new world." Served us soooo well hasn't it?