Thought about Apple and now Apple (credit) card —

Apple is now a financial institution.

For example, Apple always talks about how you can pay monthly. But how different is this than the scammy loan-sharks?

And if you think about it, Apple wants you to be addicted to their products for life. In an ideal world, Apple wants you to *always* be upgrading to their newest iPhone. And be permanently subscribed to all of their services.