Aaaahhh.... The American Way...
I sometimes look at posts by members who are comfortable with buying before they try... and I keep wondering what happened... Our parent's generation, and even more so our grandparents would have NEVER considered something like this, especially for capital outlay things like TOTL arrangers.
Maybe this is why we end up in so much financial trouble, in debt to our eyeballs and paying MORE for our toys that the sticker when we get a bit behind due to little things like recessions, ballooning house payments, etc..
What would dear old Granny think?