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sales2099 said:
Many people dont see that this mirrors that of buying a house......you pay more with a downpayment then you do when you pay for the whole thing upfront.  

When you make a downpayment on a house, the real estate agent isn't telling you that the house costs the downpayment price.

The problem here isn't the contract. It's the asterisk. They aren't saying "Buy an Xbox 360 for $99 upfront plus $15 a month for 24 months", they're saying "Buy an Xbox 360 for $99*".