What’s the catch with the Apple Upgrade program?

Apple's Upgrade program allows leasing select devices with low monthly payments, promising not to exceed the full price over 1-3 years. It sounds like a great deal, but there's a catch. The program works well for diligent users who upgrade after a year or more. Users who keep their devices for shorter periods may end up paying more than buying outright. It's essential to consider usage patterns before enrolling.