I'll tell you why on a personal level. I sold/traded my TNA last week. I had 8 offers including 2 full price offers. One of my offers was for someone asking if I could do a payment plan or a rent to own. Why on earth would I agree to getting my money over the course of a few years when I have multiple eager buyers ready to buy it from me today? Now, If someone would have paid $10,000 over the course of a year instead of $8,400 I might have taken it if I could have held onto the machine, but if I let the other guy have the pin before being paid in full all of the risk would be on me. I certainly wouldn't do it if I wasn't going to be paid a large fee for the privilege. Also, if were to finance the game and the other guy doesn't pay... then what? Assuming I could go reposes it without issue, how much time, money, effort, and mileage is put into that. Would a pinball manufacturer or a local distributor have the ability to go get a machine back? I'm assuming it would cost $300-$600 in labor to go get it assuming it wasn't messed up, and then again there would be $500-$2000 in depreciation. The cost/benefit for the company gets really bad really fast. Now if it were lean times and the company could make more machines than they could sell, then what you are saying starts to make sense. We may see it in the next few years with this many manufacturers, but so long as everything is selling out with people fighting over games at launch there is really no incentive for people to do this.