Bill Me Later

I received the following email from a consumer today:

I was wondering if yall [sic] had a bill me later? I was wanting to pay so much down then so much a month. Since I have no credit, nobody wants to trust me on trying to start credit. I have 2 small boys, and I am wanting to be able to get them a swing set and everything, and I can never come up with the money all at once to buy them the things that they need. They have nothing (literally) to play with in the yard. If you can help me, please e-mail me back, if not, I understand.

Yes, it's a sad story, and I am a compassionate person. But it still amazes me that someone would send this.