There are legitimate advantages to this business model, and even though I'm not a fan of it myself I can appreciate the value proposition. One way to look at it

There are legitimate advantages to this business model, and even though I'm not a fan of it myself I can appreciate the value proposition. One way to look at it is a form of insurance - it distributes an irregular large payment into a regular smaller monthly payment that makes it easier for budgeting. That can provide significant benefit in some contexts.