I think that’s a fair point, and my response wasn’t to suggest that financing is inherently a bad thing. I was replying to the question “doesn’t everyone win fr

I think that’s a fair point, and my response wasn’t to suggest that financing is inherently a bad thing. I was replying to the question “doesn’t everyone win from this?”, and I believe the realistic answer is that no, Apple wins and financially uneducated people lose.