I can point out a few things from personal experience that things can change beyond people's control.
Two and a half years ago my mother-in-law passed away leaving a large estate. The IRS presented us with a 1.8 million dollar Federal Estate Tax that needed to be paid. In September of that year the economy crashed and we no longer had the money to pay that bill and we had to pay a 10 percent interest on the tax until it was paid. Then in January of 2009 my wife was hit broadside by a driver who went through an intersection illegally and she was severely injured and we incurred medical bills that are almost $100,000. The crumbled economy had a severe negative impact on my business and our income has dropped dramatically.
None of those things were anything over which we had any control over but our lives have been changed. People can lose their jobs through no fault of their own, they can be transferred to places where they are forced to change their provider because of coverage issues. People can have medical issues which can have dramatic effect over their lives and incomes and ability to spend money.
That Wirefly contract is a load of crap, pure and simple. If anyone wishes to take on those contractual elements in order to save a measly $50, then they should have their heads examined.
R