You might, I think I would (at least personally, professionally I may not have a choice) but the vast majority of people will gladly go with this plan I suspect.

Look at car purchasing, most people don't look at the sticker price or the total cost of ownership, they stop paying attention as long as their income can (and in a lot of cases it technically can but really shouldn't) support the monthly payment.

Similar thing with new phones, most people buy a service plan that includes a lease or loan on a device. Very few people buy their sevice outright, because that's a big purchase vs. a smaller monthly payment.

If there was a market for this for laptops, regular folks would eat it up.

That's all opinion, so take it for what it's worth. I hope I'm wrong. I'm fearful I'm not.