It's easier on the paycheck to take out maybe $30.00 a week than it is to take out the entire $120.00 at one time. Those are just arbitrary numbers I used.
But you can have that $30.00 taken out and set aside anyway, without layaway.
Seems to me $30/wk X 4 weeks works out to the same $120, regardless of whether they (A.) put the stuff they need on layaway first or (B.) save up the money for 4 weeks and then go buy the stuff.
So, what am I missing? Nevermind, I see you've already been through this with someone else.
Earlier you wrote, "I worry about the poor people and how they will be able to clothe their families. Lay aways are a godsend to them." Given how layaway functions, perhaps you really meant to say it helps people who lack discipline to save the money for the things they need.