I know exactly how this happened. Something like this:
Yeaaaah, pleased ta meetcha. Me and my associates here was noticin' what a nice set a speakers ya got there. Be a terrible shame if they was ta, say, catch fiyah. These tings happen. (shrug) For a small, weekly payment to us we can completely and absolutely guar-an-tee that your beautiful speakers ain't nevah gonna catch on fiyah. It's like insurance, ya know, except insurance is only good afta your speakers have already turned into a smokin' ruin, and the insurance ain't gonna pay if it looks like what they call might call a suspicious blaze. Fuggedaboutit. Our policy is good before anything happens. Knowimsayin'? You're with us now, so you don't need ta worry about a ting.
Well, that's how these things happen in New York City...