Maybe someone works five days a week and can't get down there.
Can't get down there to get the documentation? 1. Why would someone need to have a local copy of publicly available mortgage documents? 2. What adverse consequence would a person face for not having it? 3. What benefit would be realized by maintaining that copy? Answers: 1. There isn't any need. 2. None. 3. Same as #2 That's why it's a scam.
Don't forget to opt for the Maintenance II package next time you take your car to the dealer.
hehe, you make a strong argument using car dealerships & Best Buy as scam comparisons, but dig deep enough & you can find some sense of potential benefit in their offerings albeit not very good values.