Sure, and you’re not intended to. You’re buying a product that presumably, to you, has value. Apple is offering to let you have their valuable product by paying

Sure, and you’re not intended to. You’re buying a product that presumably, to you, has value. Apple is offering to let you have their valuable product by paying it off over time with zero interest. That’s it. The point is that instead of laying the cash out upfront you can use that cash to generate income while you also have your valuable product you wanted to buy. Not sure why that’s hard to parse.