Mmm. Let me think about that - oh yeah, I can't afford to pay in one.
I'm sorry, but that was a f***in' stupid question... But, in proper answer:
Separation. Running the 'family' home for four months on me tod. Then bought a new house outright, then furnished it. Then sold the old house separately to avoid divorce issues and claims, or at least minimise liability. Then dealt with all the legal and financial costs. And Christmas is coming. And I drive a 120000 mile car that occasionally finds a bit I haven't replaced to fail expensively.
Not that you knew, but hey, you asked.
And why shouldn't I pay monthly without penalty? I do it on all my other insurance policies, it's part of my money managment.