Interesting post but I need to save money and build credit so I can build the things that are really important to me like check these out Jet-Shaft is faster than anything you can imagine in our world today learn more about it here : https://steemit.com/blog/@doctortesla/raw-print-one

Although the idea of being able to pay of an item of need such as a tool is a good idea especially if you don't have money to throw at it all at once so it has it's trade offs especially for building credit and other stuff!