For companies the cost of the product is minimal. They can write it off from their taxes. For household consumer I think we can come up with flexible payment to make it more affordable. I remember when I bought my vacuum from Shark. I paid 40 dollars for 5 months. Every month they charged it to my credit card. People open more to this kind of pricing. Also, How much do u wanna pay to have some peace of mind for your family. I don't think it should be any limit on that.