I feel like you answered your own question when you said " a ton of people already do it for SXS, boats, and motorcycles." If the SXS, boat, and motorcycle people are making money by financing their overpriced toys, why would high-end bike companies not want to get in on the action with their overpriced toys? Yes, financing a high-end shiny ebike is completely unnecessary, unwise, financially imprudent, all of that. But so are cigarettes and gambling, and they're doing great!