The more extras on the vehicle and the more you drive the more I think it justifies itself.
When I run 60K miles a year, I buy a truck with 120k mile warranty, drive it 2 years, trade it in. I lock in my cost of owning that vehicle. The depreciation plus the warranty and a few $100 deductibles give me my cost of ownership.
I could by a $65k truck, drive it for 2yrs, get $50k for it and be in a brand new one. $625 a month straight up, little to no risk.
The market has changed now so it's a little different game but it will come back around eventually.
Not saying it may work out for every single person but it's definitely not worth just writing off as a scam.