^ a repossession of your house if you miss one repayment, because the banks have screwed themselves?
Oh, and while I agree that guitars are probably getting cheaper and better, I don't think that's any reason to let companies off the hook. Things generally do improve, that's the nature of research etc. I mean, look at a computer from the mid 80s and then look at one now. You wouldn't use the same logic to tell someone that he/she was getting a great deal on a computer now compared to what they cost 20 or 30 years ago, because all computers are much cheaper now.
EDIT: my first guitar was an ibanez rg470. Actually a good guitar (japanese), but spoiled by the trem. If i were doing it again, i'd have sucked it up and got the 550 or 570 with an edge. I guess that's the advantage of starting a bit late, i had a bit more spare money (student loan ftw!), and considering i played other instruments, I knew I'd stick with it, so i didn't have to cheap out to hedge my bets in case I gave up. though of course if i could have I'd have preferred to start earlier, even if it meant a worse guitar.