Isnt Apple financing available for Macs?
And the estimate of 3 year lifecycle for wearables like the watch and airpods seems overly optimistic. My airpods are a year old and the battery dwindles in about an hour or two before needing charging, my watch is bricked after 7 months.
When the current debt bubble pops it'll be interesting if it effects Apple revenue as hard as it will the college debt / car debt markets.
Don't they have a 1-year warrantee?