You don't need to have a safe full of money to buy a $1,200 computer, nor do you need a $1,200 computer. Same goes for the $6,000 for a vehicle.
Chances are, if you're financing just about anything, you're living above your means. That is where people get in trouble and pay more for an item than they should.
You can buy a computer that will get the job done for $200-$300, used. You can buy a very nice new computer for about $500-$600. I've even seen Wal-Mart (not that I condone shopping there) selling brand new HP's for right around the $400-$500 mark. No, it's not a super-bad custom built computer like mine:p, but it sure as heck will get the job done. Most average people have much more computer than they will ever need or use. Same culd be said for many items people are buying on credit.
Bottom line, I believe people are much better off saving their money to make purchases. It will save lots of money and stress in the long run. Once you have your greasy little hands on the said items, they will be all yours. You'll never have to worry about someone coming after it, because you're not able to pay for it.