I have several EZPay thoughts.
1. AS I suspected before I even read everyone's replies to OP, there is a way to choose a one-time payment. I expected that because at least for now, there are laws about this very kind of thing.
2. I can't remember a time when I actually needed EZPay - I'd just not order if I couldn't pay for what I was buying. BUT--- I always take EZPay when it's offered- somehow the cost of EZPay is figured into prices just as coupons, free shipping, etc. have to be. It's just way more complicated than it seems when we look at one or two items at a time instead of the whole corporate picture..
Anyway, since I'm paying for it, I might as well leave a few dollars in the bank earrning interest even if it's just a few cents. Other than having to check the EZPay option for my account at the beginning of a month, I've never figured out how I lose.