jaggers wrote:
Since when is offering a service that may not be very useful "preying" on someone?

Entire industries are based on "preying" on people.

When I was childless, I would get calls from credit card companies asking if I wanted "balance protector" coverage which would pay off my credit cards in the event of my death. I always had to laugh when I declined and would get asked "What would happen if you died?" Well, I'd be dead, so I'm pretty sure I wouldn't care no matter what happened.