> This is just taking advantage of the poor-middle class' inability to pay a larger upfront cost, to extort them for more over a larger period of time. How on

> This is just taking advantage of the poor-middle class' inability to pay a larger upfront cost, to extort them for more over a larger period of time. How on earth is charging more money for a lower upfront cost "extortion"? If you remove the option, you're not magically granting people the upfront cost, you're just cutting them off from access at all. Are you not aware of the time value of money?