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The speaker reflects on their father's talent for bargaining, particularly at garage sales, which contrasts with their own inability to negotiate, especially at dealerships. They introduce the uncomfortable concept of haggling over funeral costs, acknowledging the challenge it poses for grieving individuals. Grief can impair cognitive function, leaving people feeling anxious and foggy. Consequently, when faced with a large bill from a funeral director, many may simply accept it without question, despite the financial strain it may impose. The speaker highlights that a significant portion of middle-class families may not be in a position to afford such expenses.