Exactly. You're not "buying a car with heated seats that you can't use", you're buying the car without heated seats because you didn't pay for them. The differe

Exactly. You're not "buying a car with heated seats that you can't use", you're buying the car without heated seats because you didn't pay for them. The difference is that BMW has to cripple the car before they give it to you if you don't pay right now.