Because they already know the attrition stats...and plan on making money off of the 'customer' knowing full well how many people quit before one year? Because...when the mortgage is paid you actually own something of value...and most MA is monetarily WITHOUT value? Because it protects crappy instruction, and crappy schools/styles that don't deliver the goods...and you have little recourse for legal action? Whereas...with a can go back to the buyer...there is legal recourse written into the contract.