0% financing on Apple card, 3-8% annual inflation the last 4 years, you'd be dumb not to take it

The people monthly payment plans target are not able to afford the thing because they bought 30 other things on monthly payment plans in the past year and can't keep track of all the monthly payments they're owing until it's too late. That's the intent and why they're so popular now. It's why DoorDash is getting in on the action, so people will buy a Taco Bell delivery with a tempting price tag of only $4 at the time of purchase, multiple times a week for months until you owe hundreds of dollars.

Regardless of who they target, I'm taking free financing any day of the week. It's like credit cards which I've received huge value from, and I've never carried a balance in over 30 years of use.

They are offering 0% when treasuries are yielding 4%, of course I’m going to take it.

Like many other things, these services work well _if you already have the money and don’t actually need it_

You can explain it to them and they don't care. I happen to know more than a few.

A payment plan for a phone makes perfect sense if the phone is capital equipment that makes you money.