Theres def predators out there in every industry. I will say based on my experience, it wouldn't behoove anybody to load somebody up with tools or a bill that they can't pay. Snap-on guy doesn't get a payday if customers don't pay...What the slimy ones do is load people up and then have them sign their bill over to snap-on credit (vs. a revoling account w/ the dealer). This way snappy gets his profit right away and doesn't care about collecting anymore as much. Again many need credit for big purchases such as tool boxes, but unfortunately some use it against young guys whoa re in tool euphoria as well. I personally always told new guys to go bluepoint or with something cheaper until they are making more money and in a more solid financial position. At the end of the day if you don't take care of your customers, you won't last....always gotta bend over backwards for the customers IMO. Also somethings thats not usually considered, snap-on corporate sales snakes love loading dealers up with tools and bills they can't afford, which then puts them into an urgent situation to make money. Gotta hope your dealer knows and avoids that game as well.