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I am merely pointing out additional revenue streams for Apple here. They make money off the hardware and again off the financing. Car manufacturers and have much lower margins and finance via their financial arms with much less predatory terms than your average credit card. The zero percent APR is very attractive, and easy to convince yourself to go with something above what you can afford. Times are good for Apple.
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Good for them. Things cost what they do. I hear you that one can fall into the 0% interest trap, but that’s on us.

Not that I want it to happen, but I wouldn’t be surprised if Apple could get away with even higher prices today. Like 50% more retail on everything. They are holding the line, but I wonder for how long and why. They can pretty much charge what they want.

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