In all seriousness who doesn't have access to $1,000 of credit? Whether or not it's a good idea to buy a $1,000 phone on credit is another discussion, but for the vast majority of people, if they want it bad enough, the money isn't a material barrier. As others have noted, often the wealthiest in society are the 'skinflints' still using a 5s, not spending frivolously is how they stay rich 