You know you are jumping the gun there a little, with the share purchase layaway program.
The company had a brilliant idea and put it to work, they are not inventing products to sell or have patents waiting to be approved, or medicine waiting for FDA or laws that are going in front of Congress before they can sell some smoke, they are selling goods to the public already approved, and many people already do Layaway, instead as you noticed, shopping is done online lately, stores as you know them will disappear in the next 10 to 15 years.
The only ones that would last, would be huge malls, barbers shops and restaurants, every business i can think of took it on internet including Blockbuster, Office Depot, Circuit City and others.
I recently sold my business, because i sell more on line than in the store, i actually sold items online to somebody across the street from my store, not once they set foot in my place of business in 4 years, but bought indirectly not realizing it was from my store.
Online i was able to sell in Israel, Canada, Australia, Russia and all over the US, when do you think i would be able to sell to those people out of my store in New York, the answer is never, now i have the same sales, less the hassle and i dont worry about $1500 rent.
A lot of people want the option to pay later and do it online,... this company offers that, people have gotten to comfortable or they dont have time to shop in person anymore.
I compared prices from ELAY and their partners, it's only a $10 difference and as a consumer i can live with that
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