Most luxury items are financed by the average Joe Blow, and thats the whole idea why people work their ass of 5 or 7 days a week, so they can afford the small nice things in life...and make a small payment each week or month to enjoy some nice things on their 1 or 2 days off.....
That rationale sounds like a dog chasing its own tail.
Plus it erodes the concept of setting goals through saving.
Either way it is an incurred debt on a luxury (and nearly always depreciable) item.
