Yeah, if only I was psychic and knew exactly what was going to happen to me financially two years after my order date. When I order something I generally have the money in hand, yet sideshow won't take full payment. So my other choices are flex pay, which if I have a financial emergency a year or so later I could conceivably incur a penalty of $60-$100 plus my NRD, or I can choose to pay in full later and possibly incur just the NRD. It makes little financial sense to flex pay. You are better off putting the money away in a savings account and paying in full when it's due.
I think people are entitled to do whatever they want with their money. Flex pay works for many of us. I include myself among them. No one is forcing anyone to use flexpay. It's an option for those that want it. I personally am glad it's offered. I like having only one small payment and shipping charges when my item is ready to ship.