You've been eyeing a new Thing-A-Ma-Bob(tm) for 2 and 1/2 years. Whatever you do, you just can't get that Thing-A-Ma-Bob out of your head. Everyone you know seems to have one (some currently have their second(!) on layaway) and they just absolutely adore them. Owners of Thing-A-Ma-Bobs even belong to special clubs and groups in which only Owners are invited. It seems like these things are just everywhere and you want one too!
Most of your friends made their own TAMB's and they turned out perfectly. You've tried for years but it seems you're just not as crafty as your friends and family. Your Thing-A-Ma-Bob just never turns out how it should (no matter how many "helpful" tips other Owners might pass along). But you can't stop thinking about them.
After a while you start to eye others' TAMBs with trepidation, sometimes telling yourself that maybe you don't really want one anyway. But you can't kid yourself. You're so eager to get in on the fun all the other Owners are having. You're getting desperate.
A friend once confided in hushed tones that she wasn't very crafty either, but she "knew a guy" who could help. So you seek him out, hoping that he might be able to finally get you your TAMB. His shop is small and filled with other people, many looking quietly ashamed that they couldn't make their own Thing-A-Ma-Bob either. You keep your head down. You don't talk.
Your name is finally called and you sit down with a man who might finally be able to make you an Owner. You're elated when he tells you that there's no reason you can't get your own TAMB. He gets people new TAMBs all the time. You're feeling good, your hopes are up. But, he warns you, your path to Ownership? It's not going to be easy - as a matter of fact, it might be somewhat painful - and then there's the little detail of cost.
Yes, most people get their Thing-A-Ma-Bob's for free, but since you couldn't make your own it's going to get a little pricey. He tells you he has no choice but to ask you to hand over 12.8% of your annual income and he'll see what he can do about getting your TAMB ordered. He needs the money up front - 12.8% of your pre-tax income! - and although he's "sure it'll all work out", when you read the fine print you learn that only 65% of his clients actually go home with TAMB in hand. And if you're not in that 65%, well, sorry. No guarantees. No refunds. But you can always place another order next month.
Can you imagine what kind of person would hand over that money - that 12.8% of their salary - with only a 65% guarantee of getting what they paid for? What kind of a state-of-mind must that person be in, to make that leap of faith and give up so much without any promise of ANY return?
And we wonder why the Potential Owner is seriously considering a nervous breakdown.