I must be missing something here. I don't disagree with anything you've said. My top comment is heavily downvoted. I am not saying I like this development.
Isn't it obvious? They already offer financing on new machines with the Apple Card. You can put your iPhone or new Mac on an installment program. It's been around since at least 2020.
Very impressive demo! The laundry folding stood out to me in particular. I remember the NPR show Planet Money did a show many years ago about how difficult making a reliable laundry folding robot really is.
In terms of being a new account, that's neither here nor there for me. I make new accounts pretty often.