How do they make money offering 0% financing on 36 month plans, let's say? Are they wagering that the cost of inflation/opportunity-cost of those dollars that t

How do they make money offering 0% financing on 36 month plans, let's say? Are they wagering that the cost of inflation/opportunity-cost of those dollars that the good people got is far outweighed by the benefits of people not paying on time? Seems wild that SO many of the customers wouldn't be able to pay on time...