MFA explained:

Let's say you took your car to a garage for routine maintenance. Instead, they caused $10K worth of damage, and forced you to pay for it.

Now that same garage owner comes along and says if you GIVE him your car, he'll give you 20% of those repair costs back, and pinky-swear to drive you around whenever you need it. You're still out $8K and you now have to trust that he'll provide reliable service.

Great deal