you probably aren't the target the target is uneducated (in the financial sense) consumers who are enticed into making purchases they might otherwise not make

you probably aren't the target the target is uneducated (in the financial sense) consumers who are enticed into making purchases they might otherwise not make (and probably shouldn't make) Apple probably wants to get at the consumers who are still buying cheap Android phones who will be bowled over by the psychology of splitting the purchase price into installments