Re: That's some printer there
You could add a combined 1a and 2a that people don't do a very good job of domestic medium- and long-term spending; either with the purchase itself (e.g. spending tens of thousands more on a car because it has better cupholders, radio, and never-used AWD; buying a house for cheap fitted furniture, fitted cheaply, and occasional rooms that become used as indoor sheds), or with the terms of the loan to enable the purchase.
Biting the hand that feeds IT
