Haven’t read the whole thread, but where are the LFSs that offer cash back on things that die? I worked in a few LFSs way back when, and if a customer came in, bought something, and it died (typically w/in a week), the customer was to bring the dead animal in w/a separate water sample. If your water quality checked out, you got…wait for it…store credit.
If your water quality did not check out…well, tough crap.
My favorite was an LFS I worked at for a short time (that has thankfully since gotten shut down). It was a decent sized operation, but the owner didn’t really know much about actual animal husbandry. Just a really good salesman. Anyway, they had the standard policy, and the only way to get credit in a dead animal was to have a good water quality test.
One day I got bored and decided to test all the systems to see if they would even qualify for a guarantee under their own policy. Naturally, they didn’t even come close . Their water was garbage.
So it was OK for them to have trash water, but not their customers.