For the most part, it doesn't matter how long it takes to pay this back. They borrow the money, pay installments, and still end up with a 10-15% profit per pass

For the most part, it doesn't matter how long it takes to pay this back. They borrow the money, pay installments, and still end up with a 10-15% profit per passenger from day one (and that's after deducting deprecation). But because they live on credit, they were pretty badly hosed during COVID-19.