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Layaway in order to make funds available over a period of time is one thing but using the medium because of indecision on your part or to later change your mind stinks. The dealer must take the merchandise out of the case thus potentially loosing a good sale so if burned once he may just consider you as "persona non grata" in the future. Perhaps one should instead practice self restraint buying firearms and in all other aspects of life?
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Another annoying facet of that are guns on consignment. People bring in guns and have a dealer sell them which may include being subject to layaway. Having a fence sitter tie up their item off the shelf being wishy washy affects an even wider circle of people.