You would probably not think of paying $1,000 for a $300 refrigerator, but it happens, especially when low-income people with little education sign contracts to buy appliances or furniture on time payments. Since many of these contracts have very high interest rates and high penalties for late payments, a buyer can end up paying many times the market value of the goods if the contract is completed. Because many low-income customers do not make payments on time or quit making payments, some businesses justify the exorbitant terms, because the high returns from some customers offset the high default rate from others. Is this an ethical selling practice? Is there another way to handle the situation?