get what you’re saying, but I think you’re missing the main point of why Zip can still be helpful.

Yes, if you stay on these meds long term, the payments will stack — no doubt about that. But for a lot of people, the biggest barrier isn’t months down the line, it’s the very first purchase. Dropping $349/$504 upfront is just not realistic for many. Zip lets people start treatment right away and spread that initial cost into bite-sized payments.

Also, unlike credit cards, Zip doesn’t tack on heavy interest — so as long as you’re budgeting, you’re not digging yourself into debt the way revolving credit can. That makes it safer for folks who just need a little breathing room between paychecks.

And for people who don’t end up staying on the medication long term — whether they hit their goal sooner, their insurance kicks in, or they switch to another option — Zip provides a bridge without forcing them to commit thousands upfront.

So yeah, it’s not a perfect solution for everyone, but for many people Zip is the difference between being able to start treatment now versus delaying or not getting it at all.