[icebraining]

Have you considered that your personal feelings are preventing you from taking what can actually be a good economical decision?

For example, imagine you had taken a loan to buy the scooter, then used the money put aside to pay the installments instead. You might have paid somewhat more for the scooter, but on the other hand, you could actually own the scooter earlier, which might even save you money in the end (for example, if you drove a car instead and therefore spent more in gas and such).

Buying a house is similar; the "point" is that you end up saving money, since you stop paying for it, but never stop paying rent. Also, there are incentives (such as tax breaks) that make it cheaper still.

Does it mean that you have an extra obligation "tying" you? Sure. But that doesn't mean it's always a bad choice.