I think there are lots of people who finance their computer parts, credit cards are quite popular here in the US.
Personal debt is at an all time high. It's higher than it was in 2008 and is even higher than it was in 1928. Most people don't have the cash to buy things, so have to use credit cards or not buy at all.
I recently gave my grandson my stripped out FX system. It's still sitting in a corner because they don't have the money to buy a psu and gpu for it.