say for me, its thinking that “it will pay for its self in 3 years” is a good argument for anything to the average person. sure, maybe if its something that cost 200 quid, but ppl go on about solar panels and electric cars and things using that argument.

show me a loan company where i can pay 20 a month for 6 years and maybe you have a point, but unless there is some odd loan company with tiny interest one long term loans… then it seems so out of touch