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There's plenty of zero-percent consumer credit lines. Interest rates are certainly not the only way to make money by lending money, particularly if you have something to sell.

In this instance: https://www.apple.com/apple-card/monthly-installments/

Buying a Mac on credit is considerably cheaper than buying with cash. 12 months of the time-value of money + you get 3% cash back.

No interest if you pay off the balance of the card every month. Tons of people do it.

Sure, tons of people don't, too. That's why creditors exist. When you use a credit card you're funding the impoverishment of others.

Granted, there's not much way to avoid that in american society.

The apple card actually gives you 0% on apple products