Sadly this take has way too much merit... and far beyond aviation too.
Provide cheap, available financing for XYZ and you'll see a race-to-the-bottom in terms of affordability for XYZ. It's a financial law as scientifically reproducible as the physical laws of gravity.
Ask for cash up front and the cost/benefit picture gets absolutely flipped on its head. Funny enough, that exact inflection point in financing availability is precisely the moment the stuck pig squealing commences. Disclaimer: with my mx bills I squeal as loud as the best of them
I'm reminded of the guy at my airfield who my A&P was telling me bought a new Cirrus SR22T then broke the wheel fairings and didn't have the budget to replace them. How do you spend over a million dollars on a new Cirrus and not have money for fairings? Easy. Someone gave you a million bucks for the Cirrus, and no one is going to give you a few thousand for fairings. The idea someone would buy a new A36 instead of buying used and upgrading to better-than-new for the same reason seems not only completely plausible but likely.