[ckannan90]

I don't think he was saying you should pay less. I think it was just an observation that people are compelled to pay now rather than put it off later, because they know the price will rise, which in turn will actually cause the price to rise for the next person. I think he was just observing that it's a smart system that both compels more people to put their money down, and slowly raises the price at the same time.