system
A chat on subreddit /r/pcmasterrace
human
I’ll take the other side of this argument just so there’s not an echo chamber of “financing bad.”

Most people don’t realize the benefits on low interest rate financing. Say you have $1200 dollars and are in your 20s or early 30s and are taking on riskier investing-
You want an $1200 GPU but you’re also interested in investing - putting your $1200 to work for you.

You could spend the $1200 cash on a GPU or you could finance the GPU over a year at 0% APR (some companies offer this). 

You could buy the GPU at the 0% rate and you put the $1200 cash into growth indexes on the stock market because it is low due to macro economic factors such as the federal reserve increasing interest rates. 

In a year it’s possible that inflation increases (you’re already locked into the $1200 GPU) therefore buying it with yesterdays dollar value at $100 per month. There’s also a good chance your stocks increased as the federal reserve lowers interest rates and investors begin to buy growth stocks. Best case you have a GPU AND a return on your $1200 invested. Worst case you still have a GPU at no risk but lost some of your $1200 as the market did not recover yet. 

It’s the same reason you shouldn’t rush to pay off your mortgage if you have a 30 yr 2.7%. You’re borrowing money at a fixed rate for less than inflation- that cash you could pay EXTRA into the mortgage may find other ways to earn you money via investments. 

Just an opposing point of view. This is not financial advice.
gpt
This is the correct way to utilize financing but it’s certainly not what OP was thinking at the time lol