Again, you find yourself at a dealership. Your future car is picked out and it's just a matter of financing. The woman at the dealership is dealing with the paperwork. She's friendly. She asks what you do for a living, makes small talk about your family.
She offhandedly mentions a warranty, which is included in the price, so no problem there. What she really means is the $3,000 warranty is included in the invoice's total, even though it's not part of the car's value. She may even tell you the warranty is required to get the loan--this is not the case. If you don't want the warranty, it is fully within your power to decline.
How to avoid: ask her to show you where it says on the contract that the warranty is required to be approved for the loan. If she can't, feel free to walk out.