Customer 47 (idiot)

Customer came in to the store to buy a phone. Finally a store that yields commission, I'll have to give him credit for at least doing that. So he had 2 options for getting the new phone of his choosing. Option A pay 135 down but pay an increased monthly for the phone totaling $805 over 24 months and not own his phone and be required to turn it in for $0 value. OR pay $160 down and the rest in 24 monthly payments totaling $750 but he would own his phone and could even sell it back. So I give him the options and highly advise the owning rather then renting option which cost less for him in the end. His reply is yeah but I'm just trying not to spend money, you know how it is. And I reply.... Yes I know how it is.... Pay less and own or pay more and rent.... Your best paying less and owning it.... It's cheaper..... And you can sell it when your done.... Hes like naw I'd rather not spend the $25 today and chooses to rent it for more money..... I explained multiple time it's more expensive and even showed him the same numbers I types up to to ensure he knew he was paying more in the end. He kept insisting that it was still better the renting way..... And on top of that even requested to speak with my manager and reduce the down payment and roll it into the monthly which i couldn't do and he couldn't do because it's not an option for this guy because he has shitty credit. But nonetheless I humor him and let him speak with my manager on it. And he explains the same thing. Then also informs him even if we could do that you would end up paying over $950 in the end for renting a $750 phone because of additional rent charges. And even though we said it not an option bit if it was that would be the consequence. He still tried to select that option! I'm thinking dude this guy's dumb! Not even dumb let's say d.u.m dum! So I stop trying to help him because he's hopeless, I notate his account that he chose the more expensive options so if he realises how dumb his decision was in the future he can't come back claiming I forced him into it like customers love to do.