All respect is now lost for him as a business owner on my part. Put some young or old kid in (more?) debt to line his pockets.
First, congratulations on the new car! I am glad it has heat.;)
Gail Boenning

I don’t agree with these kinds of arrangements either but having been on the business side of selling a product that people can afford easily in the good times and not so much when the economy tightens, you do what you can to survive. His creditors still demand rents, overhead. Still gotta make payroll… I see these things as desperate measures to stay afloat rather than greed. No consumer business really wants to be their customers’ bank.