![]() ![]() You only seem to argue against making a monthly payment plan as some kind of badge of honor in your part, and if you can live life that way, good for you. And if something were to go horribly wrong in a person's financial situation, then the effects of something like a $400 headset are so insignificant compared to the bigger picture. If a person is confident with paying something off in a monthly basis, I don't see how that is problematic. ![]() Phone bill, electric bill, apartment/house, water, internet bill, food, clothing, etc. But no matter what you do, you always have monthly payments to make. Anytime you make a payment plan, that means you don't have a ton of money to throw around like it was nothing. Part of being an adult also is making choices that require you to be financially responsible. Is there really a difference if I said a person got in debt if their car broke down, and they owed money in a 5 or 4 figure sum instead? My point is that if a person was hit with a heavy bill (say a six figure hospital bill) then the last thing in a person's mind is the $400 dollar headset they made a payment plan for. I really hate having to bring this up but it just looks like you're trying to point out a fallacy that doesn't even exist. Not everyone lives the same life as you, mate. I am responding to you on how out of touch you clearly are by assuming $400 shouldn't be a problem for someone. And to be perfectly clear, this paragraph is not regarding the OP responding to you about needing help with finding a proper financial plan. I find your mentality of thinking that this amount of money is nothing to be troubling, since all this does is shed even more light that you have little understanding on how the average person doesn't have a lot of money saved, and that is assuming they don't even spend on material goods and just have the unfortunate scenario of working minimum wage with just enough to just get by. $400 isn't a deal breaker for me personally, but for about 40% of folks don't even have that kind of cash for emergencies according to the federal reserve board. It just means they rather pay something on a monthly basis over having a chunk of their money gone. If a person has 3k saved but wants to buy something say worth $500, then it doesn't make the person in debt for wanting to make a payment plan for said item. I keep seeing this pattern of you thinking that anyone who takes a payment plan automatically cannot afford what they want. One day you can have everything going well, and the next you are owing six figure debts to a hospital because you got into a horrible accident.Īnd at that point, I really don't think a six figure hospital bill compares to what you owe in a $400 VR headset. Sure it's a risk because anything can go wrong in life but that's just how the world works. But offer someone a $30 dollar a month payment plan for 12 months, and that's easier to take in. Not everyone can afford the things they want asap or in a matter of a month or two. Just buy stuff you can afford and don't bother putting yourself in a payment plan on something you can't afford with cash asap. ![]() And don't give me that "but those are necessities not wants" excuse, because the same principle applies if we used your logic. But with that kind of logic, you could have a millionaire say the same shit to someone when trying to buy a house or a car. Your logic just seems to be that people shouldn't make a monthly payment plan because you think 400 dollars is nothing, and is a sign of someone having poor financial responsibilities if they can't buy it off right away. ![]() I honestly don't know where you even came up with that, but this just proves my point even further about you being out of touch with people who can't afford a $400 headset. But the the matter is that everyone is running on a limited income, and some people can't afford a video game accessory they want within a month with cash upfront. If we lived in an imaginary world where we can buy what we want without a worry, then that's a fantastic scenario. I don't know how many times I have to repeat this to you. Some people who do this just don't want to put a huge chunk of their savings in products they want. No low effort memes, gifs, image macros, etc.Īgain, not everyone who makes a payment plan is in debt.Read the FAQ before posting a question.This is a place for friendly VR discussion, don’t start drama, attack, or bait other redditors.Welcome to /r/Oculus, a place for Oculus fans to discuss VR. ![]()
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