It's quite simple why people do the things they do to laptops. If you knew a kickass model was coming out, and your laptop was on the verge of obsolescence, then while most of us would deal with it, there are a selesct few who would do such a thing. Truthfully, it's wrong and it's why so many companies restrict their warranties. The extra payment of $400 or whatever CompleteCare may be is a form of insurance; that is, if something accidentally happens to your computer, then you are entitled to a new computer, so long as you do not cause any subsequent damage.
This is to say that those who decide that one big ding isn't enough and decide to happily and deliberately put more dings into their computer in the hopes of "maximizing their value" and ultimately getting a nice shiny new replacement. This is miserably not the case (and anyone who decides to try...). DELL has technicians whose sole job is to do a sort of "autopsy" on the computer, "Dead computer forensics" if you will, to determine the cause of death and whether it was intentional or accidental. If it is accidental, then the insurance by all means should kick in and do its job, but fraudulent activity will NOT be condoned on NBF.
People who decide to "screw the system" may be in search of instant gratification, but what they do to those who actually need the services is prevent proper services from being rendered. Businesses are in it to reasonably ensure that their customers are satisfied, but are also in society to make a profit and survive and grow. By being fraudulent, you end up making a company less likely to defend others who have legitimate problems and ultimately cause companies to turn off accident coverages and other "premium services", in spite of the fact that they are pure profit for a company.