If someone can afford to buy it through financing they are welcome to do it. You don't have to. You can drop full cash on everything if you want.
Absolutely. No question.
But now comes the Pixel, daring to strike up in the $1000 range--which wouldn't have happened if the real price weren't hidden by that "few bucks a month" thing. And like I said, that makes Google think they can charge that much for it.
It's a price hike, hidden by that "few bucks a month" thing that has taken over for the old cell company two year contract thing that used to hide the true cost of the hardware.
I hate that people like me, who buy things, end up facing a simple phone that costs a thousand bucks. Yes, obviously, I can get $400 decent phones--but still, absent the hiding of the real price, these companies like Google would have felt the pressure to keep the price down on the flagships. Instead, people who can't do math support Google's internal pressures to keep the price--and revenues--up.
And we know that Google has $150 in parts, plus whatever development costs, into the phone. $850? Seriously? Designed for obsolescence with its non-removable battery and its lack of SD card slot? That's a ton of coin.