I get the point of why Walmart did away with the layaway program but was the gain higher then the loss. Because every year i shopped for the holidays i used the layaway program and spent around 700-800 dollars through it. Last year without it I spent in other places. There was no need to just shop Walmart at that point. I am a check to check kind of person with 3 kids and a big family. It is hard for me to save, I am not as good at that as other people. I also don't have credit cards either I don't want to get into any further debt then I am already in. So being able to purchase the majority of my Christmas gifts in one place without the interest rate or service fee was great. I was able to pay it out within three months and have tons of gifts for my family. Also if I was able to save by the time I had it for Christmas, especially with children's toys, most of the things my kids asked for would be gone and I would have to wait till after the holidays to get it. The only people that can't understand this program and it's worth are people that have better control of their finances and I commend you for that. But if that was the majority of people in America then we wouldn't need buy out plans, people wouldn't be losing their homes, the need for state aide wouldn't be going up and the need for food programs wouldn't be so great. I wish we could all have it under control like that but this is the reality we live in. So with all that, I really wish that Walmart would bring back the Layaway program.