Not "nothing else". They're the only half-decent vendor if you don't want to have to think about your computer very much, and also want it to mostly work well and do useful things automatically or very easily (especially when used in concert with other Apple stuff). They're in a niche in which they have, essentially, no competition. I wish they did, and I'm sure plenty of other Apple "fans" do too. I'd rather be on an open source OS, for one thing, all else being equal (which it very much is not, which is the problem).

Why does it matter if your spending three mo the of your total income when you can (and should)?pay it off monthly ?

Err... because paying it off monthly doesn't make it any cheaper. And it still ends up being a sizeable chunk of your total purchasing power.

No but it gives you you better means to purchase an item you otherwise wouldn’t have if you had to do it upfront. There’s greater purchasing power in buying something over time rather than all at once.

I have no idea how much you're making (and no desire to know), but for the sake of the argument let's say it's $6k a month. Try to extrapolate our reality to your own. Would you go around with a phone that cost $18k? Would you even buy one, monthly installments or not (and then get the next one right after it comes out, like many iPhone users here tend to do)?