Here in Canada, as in other first world countries, they are implementing what they call a feed-back economy, which is something like a 50% down payment, you take the product and the other 50% is financed in three interest-free instalments; instalments that are paid every 14 days. If you pay the instalments in advance, you earn points redeemable on future purchases. The important thing is, you get to take the item home and not wait to pay for it in full to enjoy it.
They used to have "lay-buy" or "lay-away" back in the day - but the product wasn't available until it was paid off. It teaches some level of patience at least, as well as some kind of buyer's remorse when the shine of what was purchased, faded before the product was received. This is all about FOMO now - instant gratification habits spill into all parts of society.