Financial products you only buy because someone sells them to you

I was thinking recently about financial products you only buy because someone actively sells them to you.  Timeshares and variable annuities come to mind.  If someone tries to sell you one of these, run!  Timeshares are almost impossible obligations to be rid of even if you pay someone to take them.  Variable annuities promise continuous income under any circumstances but are full of such high fees that they destroy any benefit.