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Luxury computing devices are the same as basic cooking tools, you're right!
A tablet is not a luxury device.
The poster also does not say that poor people buy the high end tablets but rather that when they do buy devices they opt for insurance.
Rich people see a tablet as a disposable item that they can afford to replace.
Poor people see a tablet as an investment that must be protected.
Fair point, I read OP's comment as saying everyone in this shop is buying the ludicrously expensive models, re-reading it's not clear if that's what they actually meant