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Shouldn’t the analogy be “Apple lends you money to buy a MacBook. You pay Apple for a MacBook…”

Great you brought that up, if you look at Apple's website you can now 'lease' a MacBook for 30-60$ per month :)

Yeah but the lease is provided by Klarna, not Apple.

Yeah but Apple pays Klarna to provide that service. Circular financing!

This happens as well, no? If you pay for anything in instalments that is effectively a loan.

Typically not a loan on the seller’s books and typically not for the lion’s share of the seller’s annual revenue, no?

Outside the car industry, it's unusual for the vendor to be the lender, tho.