OMW, this is exactly the same practices that were going on prior to the Great Depression.
New icebox? New Model T? Aside from the fact that these are tangible things, same practices.
From a business standpoint, its a goldmine.
People buy at 10% flat rate and you can write off the loss and still get it back from court.
If the buyer is smart, they can utilize this better than a credit card. Most people aren’t smart.