An every day purchase is a purchase that someone could (be reasonably expected to) make most days. Noone purchases an iPhone for themselves several times a week

An every day purchase is a purchase that someone could (be reasonably expected to) make most days. Noone purchases an iPhone for themselves several times a week. Hence an iPhone is not an every day purchase. You are getting confused because you believe that paying for a service every day make it an every day purchase. You only purchase an iPhone once (although you will possibly buy another iPhone a year or two later.) Paying off a home loan over a few decades doesn't make a house an everyday purchase. And paying for an iPhone over a couple of years (or signing any two-year contract) doesn't make that an everyday purchase either.