Hey,
I'll offer both points of view on this, as I've sat (and probably still sit) on both sides of the fence.
I am more inclined to use credit to buy a game when a good opportunity on a used game presents itself as opposed to when buying new. To me, there is some value there. There was a game that came up for sale locally last year that was underpriced by about 20 or 25 percent, and I didn't have the cash sitting there. To me, it made more sense to pay a relatively negligible amount of interest over the course of a couple of months than wait for the same title to come up for sale again for the going rate. An underpriced game and a hundred bucks interest is still cheaper than a game priced at market value bought with cash on hand. I don think I could do that for a NIB game, because that advantage just isn't there for me.
With that said, there did come a point where I wasn't comfortable with that debt sitting there, and I shuffled games and money around to deal with it. I'm currently socking away money for a yet-to-be-determined game, but I'd rather do that than have to put myself into debt again. With that said, if a $3000 AFM came up for sale, yeah, I'd borrow the money in a heartbeat.
Just my two cents...
Luke