Precisely. And I am not defending the “interest free for a while but you’ll never pay it off and then get hit with 30%” crowd, although I do think it’s laid out

Precisely. And I am not defending the “interest free for a while but you’ll never pay it off and then get hit with 30%” crowd, although I do think it’s laid out pretty clearly in the paperwork. People do choose to live beyond their means. It’s a massive mistake. But that’s not what Apple is doing here.