And as for now I still think it’s a great idea for families without much money or credit. Heck there are still lots of people who do not have checking or savings account so doing the ING account is not an option for them. Also, layaway requires no credit approval and is a simple process. You either pay your bill or they put your items back, simple! I however, do NOT think layaway should be for large items or items you don’t really need. I see layaway for necessities.

So don’t knock what you don’t understand as not everyone was as fortunate as you to grow up on credit cards, internet, cell phones and such niceties.