That's a good point. It would definitely remove the "I can't buy your product because I can't get credit for it" excuse which would open up a good chunk of a ma

That's a good point. It would definitely remove the "I can't buy your product because I can't get credit for it" excuse which would open up a good chunk of a market. However I can't really see why Apple would want to "reach down" in terms of market demographics when looking at people with access to money. I would imagine they want to continue to reach "up" into markets with more and more money. With the release of the iPhone X I perceived Apple as trying to reach "up" rather than "down". Your point definitely explains this move if that is what Apple are trying to accomplish.