It is not only the Apple IUP issue discussed here. It is a multitude of Citizen’s issues having little or nothing to do with Apple, that made me pay off the phone and leave IUP. I would hope that Apple will review the IUP as a whole and maybe consider a new financing partner. Things can break for a variety of reasons.and I agree with you that participation then gets painful.
When the process breaks, the customer gets caught in the middle where Apple can blame Citizens and Citizens can blame Apple. I haven't been caught in that scenario. However, the IUP issue is painful enough being caught between Engineering and Apple Agreements.