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I mean, are people really "investing the difference," or is it more likely there is no difference, because they simply cannot afford the machine at their salary?

Some of both. People who are in a better financial place are doing the former, people in a place where they can't afford the whole cost up front but want or need it for some reason are doing the latter.

Dude, that sounds a lot like "mom and dad loaned me the money for my car and I am paying them back."

You seriously must live under a rock if you've never heard of a 0% APR offer for a vehicle loan. There were also entire websites about them linked earlier in this thread, multiple times. (And a lot of moms and dads would charge their kids interest, anyway.)
 
I mean, are people really "investing the difference," or is it more likely there is no difference, because they simply cannot afford the machine at their salary?
Depends on the person. I mean simply opting for the zero interest financing and do nothing is already a win due to inflation imo. In the end, you still have to be smart in managing your own money regardless of your method of purchases.
 
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Why don't they just keep the payments even? It's literally $7.94 more a month if you spread that final payment. They just want people to see the last payment and return or trade and get shafted. And shady BB and CB make out like bandits
Just be smart about it. You do have the option to just pay the 37th payment and own the device. You’re not forced to upgrade by that point. So simply complete the payment and go by your own way. You’re still benefitting of not giving a lump sum money to Apple/BB in advance.

For other purposes, eg a small/individual business, they can basically rent a high end Mac with a constant low monthly expenses that can be easily calculated into their accounting.

In the end, it’s good that this sort of purchasing option is available. I wish we have these kinds of financing.
 
I would like to know more about the 0% interest car loan. Don't tell me it is 2%, which is basically free. I am genuinely curious how you got a 0% car loan.
There are lots of promos for zero interest. I’ve used them in the past - but often it’s “Zero interest >OR< $xxxx cash back” - which means the cash back you choose not to get, is what you’re paying in interest 😉
 
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If you're carrying a balance, why would you not pay-off the 'groceries' first... aren't they charging you interest on that balance versus the '0% APR' installment payments on Apple products?
You’re 100% right. But people don’t understand math.
 
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