It's not cost optimization its payment on installments.. Personally, I find it less convenient to have more than 1 bill and a group of 30 paying on average ever

It's not cost optimization its payment on installments.. Personally, I find it less convenient to have more than 1 bill and a group of 30 paying on average every 12 days probably makes it less convenient for anyone. But there are some strange consumers who like to delude themselves.