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The difference is that with financing you're stuck with it (and your credit rating drops, at least in the EU here). You're not stuck with a subscription. If your income changes and you can't afford it anymore then you can cancel your subscription.

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In the US if you don't have any debt, that is bad for your credit rating. Perversely, the more debt you have, the easier it is to get more credit, at least up to a point.

Oh sure, my original comment’s point was just to allude to the point that costs are going up for all methods of compute, so that fact alone shouldn’t influence your buy versus rent versus finance decision too much.

This idea that there’s a conspiracy to take personal computing away from the masses seems far fetched to me.

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