The problem is there are now plenty of tools, such as afterpay, klarna, quadpay, affirm, etc. where people can create their own payment plans for just about any purchase, including buying theme park APs. It might not be as simple as doing it all through Disney, but would have its own set of advantages, such as if you miss a payment, your pass wouldn't be suspended until you paid it. This could creat even more craziness.Based on the lesser crowds when the lower tiers were blocked out, I would be happy with them just bringing back the signature passes with no payment plan. That might take care of some of the issues. I know this is incredibly wishful thinking!