I think the comment about "if you have to make payments then you cant afford it." rubbed some folks the wrong way. If that is true then you better be paying cash for your house, car, ect because all these are obtained by making payments. I can see someone who has an extra $20 dollars or so a week to play with, spend it on a layaway plan for a gun because they know if they didnt have the layaway they would just blow the money on some thing else. Dont ever let someone tell you you cant afford some thing. If its not hurting you and your families necessities then its no one elses business what you do or how you obtain a firearm.