But if you finance the computer (not hard to get 0% financing on consumer electronics), the price goes from $41 a month to $62 a month. It’s the same difference.
For some reason I think people are less likely to finance a computer, but maybe not, given that phone financing is a thing.
For whatever reason, people are just more into paying for $10 / subscription fees, than they into financing stuff.
To such a degree that they able to pay for a bunch of subscriptions they completely forget about.