First, let’s look at an instance that most of us have had some experience with in their lives. You are in the market to purchase a car so you walk into a dealership. A couple of hours later you shake the hand of your salesperson and drive out of that dealership with your new car and a promise to pay $450 per month over the next 60 months for the privilege. Over the next five years you make that payment diligently by the due date and fulfill your promise by paying a total of $30,602.
So far so good. …