mmmmm lets see here

for the pavillion 16...

$34.99 a month with no protection plans available and no option to buy out over time and requires a 650 credit score...

or $979.99 for a one off purchase with the ability to have a protection plan ontop of it (this same laptop is also on a sale via HP for 429$ if you use their financing system...)

I don't see how this is helpful to the general consumer. The typical user doesn't replace their laptop every year, and at the prices they give you end up breaking even around 2 years. You would need to be processing an upgrade at least every 2.3 years in order to make your money worth it. I've had the same laptop for 8+ years now. I don't know anyone who had a laptop fail outside of accidental damage prior to the 2 year mark. Most system issues appear prior to the one year warranty end date if something was /going/ to happen.

I can see how this could be helpful for a company that has temp workers.. but even then it's not like the company couldn't just re-provision the laptop and give it to the next person.

I could see this being more handy if accidental was included on it, but out of the current offerings it's just not worth it for anyone.