[agentdrtran]

If your laptop breaks and you need a new one you are probably better off doing BNPL if you can instead of buying a cheap, crappy one now.

[raincole]

Well it's actually boiled down to if you make money with your laptop. I guess most people on HN are programmers so of course they do. But the question is not good laptop vs crappy laptop, it's consumption vs investment.

[Jcowell]

What do you’re a student in uni? Averagely, Your laptop won’t make any money until you graduate , get a job , and pay off your loans.