the goal in getting you to finance something isn't to get you to default and come after you, it's to add layers of margin
think about rent a center or Aaron's
you can buy a Nintendo switch for $300 but they hook people into lease payments where the nintendo comes out at $1200
they make money if you pay, not default
in fact their almost are written to predict if you'll default, if they think you will you don't get approved
this is why financial data is so valuable
#Bitcoin fixes this