Are you sayin 0% is bad? What is better then? If you have the means, pay outright, no? It used to be a lot worse, paying $16K+ for a 128MB Quadra something based RIP in mid nineties . Do you mean that these things are overpriced from the get go?
Not that I want it to happen, but I wouldn’t be surprised if Apple could get away with even higher prices today. Like 50% more retail on everything. They are holding the line, but I wonder for how long and why. They can pretty much charge what they want.