What if it breaks, what if the car breaks down, or I lose my cell phone… We all have one of those days, sometimes one of those weeks. Put it down to bad luck or the universe not being on our side. We’re human so that makes us worry and companies know that. Sometimes it’s the fear and uncertainty of everyday living that costs us more money than it should. What got me thinking about this? I’ve been reading a couple of financial books (I’ll be reviewing them here on BSG at a later date), and both of them mentioned that oftentimes we pay more because a company…