Standard business practice. Capitalism sucks but it seems to suck less than the alternatives.
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I agree with good dog, but we can't give free chess lessons to every drug addict in town. They'll go broke in 48 hrs. The're coming to the market place by saying; look at our offer; when you come to the market place, you have to prove your worthy. (have real money). Its the opposite of a court of law. (your INNOCENT until proven guilty). In the market place, your guilty, until you prove you have good money. Its free, until you buy it.
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If it's free, why credit card?