W Sanders said:
Don't be intimidated into replacing a whole panel if the one you have is clean and dry, and has adequate capacity. We live in California where it's nice and dry most of the year. Our house isn't that big and 100A service is all we need for now.
I'm sorry to hear you had a bad experience, certainly there are lots of service companies here in California that are happy to charge you a premium hourly rate plus a 400% parts mark-up.
However *most* electricians who would recommend that you replace a Zinsco panel would do so out of genuine concern for the installation, and not simply a profit motive. It doesn't matter that a Z panel is in great condition, it's that alongside Feds and Pushers, they just don't reliably
work.
In southern Cal, where the average home price has cleared half a million dollars, I cringe to see that investment protected by a device I simply
would not use in my own home, when the service could be replaced with something sound, modern, and reliable for a couple of grand or less.
IMHO, where your electrician went wrong was in recommending you replace a breaker, and not your panel.