As an owner of 2 (3) Lynskeys, I certainly understand the joy of riding a Lynskey. If this offer allows more people to responsibly ride and enjoy more Lynskeys, then it is a good thing. As an owner of many, many expensive toys, I am fully addicted to consumerism and the American way. Though, I personally think that debt would definitely interfere with my inalienable rights of life, liberty, and pursuit of happiness.

I am not a CFP nor in finance, nor am in a profession that pays me extravagant amounts. I have always lived way below my means and saved up to buy everything in cash because my professor dad taught me to save up my allowance to buy my toys. And, by default, the greater the expense, the longer it took me to save up. When I would have finally saved up enough, then I would face the final question of whether that toy was worth the abstinence of saving up. Somehow, zero percent payments just seems like cheating - but that is me.

The last debt I had was my student loan which I repaid immediately when the zero percent interest grace period ended. I still remember when I would be driving my post-doctoral fellow era car and living in the same apartment that I had lived in as a post-doc; while my direct-reports were driving Mercs and Porshes and using their house as a home-equity loan credit card.

To those to decide to take advantage of Lynskey's offer, I suppose I have to change my wish from "ride your Lynskey like you stole it" to ride your Lynskey like you financed it".

Mark