If one party has to make monthly payments, then what else do they think it is? And how can adults in this world not understand how interest rates work.
And what kind of adult doesn't read a contract before they sign? Isn't that just common knowledge now?
A loan. That's that standard way you'd get a loan. And a loan would make more sense too since it's (theoretically) a good you keep forever.
Sorry, my bad. For some reason I thought these were loans and not actually renting.