The saddest part about all of this, is that Apple is a business and ultimately for them it's about meeting needs or improving something done well, and make it 1000% better. But here's the catch for their community.

They want to set trends and influence how things are done in the Tech and Creative space. Health competition drives innovative. (So they say 🙄)

Having a pay later option is very appealing for most people even on 24-26k a year. It's still not enough after bills, tax, and expenses. Having the option to drop a lump some and pay the rest next month is a massive game changer.

But it encourages a debt culture which is terrible in the long run, and self disruptive to economies.