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Here are some more brazen doctor examples as detailed by Emanuel Derman, a former head quant on Wall Streeet, on his blog.
Yes - I just had a similar experience at a dentist, who, after a cleaning, wanted to schedule 3 more follow up visits, and several thousand dollars of procedures. I don't have any pain in my mouth / teeth / gums.
I think the unclear incentives of professionals in law and health care are especially dangerous, since we often just put blind trust in the advice they give. Most people never consider that the advice a lawyer gives (to sue!) or doctor gives (to operate!), might not really be the most reasonable way to deal with a situation.
I have no problem telling these people no. The aggression of their sale is directly related to the severity of my rejection. If they tell me x is great, I reply that I'm not really looking for anything that does the job of x or that I don't have the money/time to spend on x. If they push really hard, I look them in the eye and tell them that if x were worth what they were selling it for, I would already have one. I often try to sell them an overpriced piece of crap at that point.
How do you read a podcast? I generally avoid them because listening takes so long compared to reading.