An up front 18k demand is not the same as an 18k amount amortised over many years. Rationally of course they're the same (given a suitable adjustment for interest and inflation), they're perceieved different as often you wouldn't have the cash today.
An up front 18k demand is not the same as an 18k amount amortised over many years. Rationally of course they're the same (given a suitable adjustment for interest and inflation), they're perceieved different as often you wouldn't have the cash today.