The problem with financing is most people just look at the monthly payment (i.e. "it's only another $10 a month) - and once you get used to that, then everything becomes a monthly payment...

Most people don't have the fiscal discipline to succeed at this - it's frankly why it's so difficult for so many to save money, because virtually everything now is financed down to an "affordable monthly payment". It's why Americans typically have overwhelming credit card debt...

Financing (anything) is the quickest path to fiscal ruin.