Account Protection, Baby!

So, here I am calling up my credit card company to have my address changed (well, I tried online, and failed to login for some reason). After changing the address, she goes: “do you want to add account protection to your card?”
Me: “Yes, most definitely.”
She: “That will be $12.50 per month charged on your card.”
Me: “Hold on, I want the account protection, and I feel that's something you should provide for your customers without charging them”.
She: “So, is it about the money? If you make money, can't you spend around 40 cents per day to protect it?”
Me: “Your bank's networth is in billions. Can't they spend 42 cents for me to protect my account as a nice gesture of me doing business with them?”
She: “I understand you don't want the protection then!”