Nah, people finance stuff here a lot. Hell, Walmart used to have a finance company contracted out to work in their stores. Credit cards are for the middle/upper class. But people with less money or small amounts of disposable income per paycheck will finance stuff. You can find businesses doing it everywhere.
Good to know, every time I gone there for travel never seen any financing placard or similar in the places I gone, but it surely could be a preconcept.
Still, considering how much the mobile services with this type of structure sell and people seem to not care that they are paying more, MS marketing and operating good with this idea can give then a very good next gen boost (even more with the backward compatibility, because with "0" games as usual on new gen, it would be harder to offer the "rent" service).
duduspace11 "Well, since we are estimating costs, Pokemon Red/Blue did cost Nintendo about $50m to make back in 1996"
Mr Puggsly: "Hehe, I said good profit. You said big profit. Frankly, not losing money is what I meant by good. Don't get hung up on semantics"
Azzanation: "PS5 wouldn't sold out at launch without scalpers."