With the introduction of EMI on almost every major electronic purchase or for other items too, I find that it has opened a whole new opportunity for even poor people to acquire things of their desire like a bike, fridge etc. Recently, in my area they hace introduced EMI for medical services like surgeries that includes even cosmetic surgeries at 0% interest rate! I think this is really a great way of not only saving but improving general health and quality of life as well. Do you have such a facility in your area?