Kira: It would be unwise for you to buy that insurance policy.
Kira's conclusion
It's unwise for you to buy that insurance policy.
Kira's evidence
It's designed to make the insurance company money. The prices are set to ensure profits.
Binh's response
I agree with your evidence (it's designed to make them money), but that doesn't in any way show it's unwise to buy it.
Evaluate
When Method questions involve one person responding to another, a lot of what LSAT likes to test is the area of disagreement. Did the 2nd person .. - disagree with the Conclusion? - disagree with the Evidence? (this almost never happens) - disagree with an Assumption? - just raise a further consideration?
Binh is definitely agreeing with Kira's premise, but he just thinks it's irrelevant when it comes to her conclusion.
He's presumably saying,
Goal
Look for an answer saying that Binh points out that Kira's evidence, while undeniably true, has no logical force when it comes to supporting the idea that a certain product would be an unwise purchase.
Binh hasn't said as much, but the common sense gist of his response is, "Sure ... isn't that true of any product?" He's sort of saying,