Every time I read this I think that an intrepid boot salesman would issue credit and sell the good boots for say 7 yearly payments of $10 and make a killing.
well there _are_ a lot of companies doing financing for small stuff, even fintech :)
Everyone seems to love quoting that, but it's just a quip from a fantasy series written by a professional writer (i.e. no experience in economics/shoemaking/business/etc).