Yeah, that'd be nice if people could take on debt and adjust cash flows like a business, but a lot of people don't have the financial flexibility to spend $600 in a lump payment. That's why people keep bringing up 60+ percent of Americans live paycheck to paycheck. I'm fortunate enough to be able to make those types of purchases a couple times a year, but I know my privilege is not the norm.

The best someone may be able to do is 12mo financing on a new credit card with 0% apr, but miss a payment and its 25% interest. If they even get approved.