Consumers by definition are selfish (me included) and tend to forget to look at the whole picture as how the economy works
I am learning
Sellers feel that you can fractionate
the payments with banks, credit cards etc ... saving them the pain of extra administrative overhead. I would not not blame them if they can't offer the service. There are others out there that would - with an extra cost, naturellement. Back to selfishness
Manufacturers are running at skimpy margins at the moment, something is going to break, they just wait and see which one will go first and boom! Easiest way is to re-align the product portfolio and adjust the price accordingly.
Another factor is that suppliers are learning the selfish game from manufacturers - meaning no more of that 100 extra parts lying around to cover the manufacturers back should they decide to order some more. Manufacturers are forced to think ahead, get the quantity they believe they need, order them. If they are short, their problem. So the retail price is the reflection of 10 units (example) and not 100 units (example).
Toshiba just did it with their Libretto model. Sold out, and the next batch will cost consumers more (with pre-order) and not less. That's survival