I purchased x item at monthly payment of y, now I'm being charged a lump sum and it's throwing off my books.

Shit strip out the what and it could screw over most people who don't have a large savings account (hell I do, but it's not linked to my main account, so I'd get screwed as well and I'm fairly well off).

I'm sorry Johnny but the way you have been acting in this thread really makes me doubt your sincerity, or wonder how damn entitled you are.