[manigandham]

You're right, they're making bad financial decisions, but then again they agreed to a small monthly payment instead of the full upfront price.

It might be surprising but unfortunately many people really do live one paycheck at a time and finances are a careful balance of paying bills as they come. In this case, the funds seem to be taken directly from bank accounts so there's no extra credit card protection and it can lead to a cascade of fees for overdrafts, bounced checks and other problems.