A target manager in Jefferson City, MO once told a coworker of mine, when she asked if they had a layaway department, that Target "wanted to attract a higher class of customer" and accepting layaways would hinder this. This was in 1997-1999, roughly.
If the Mexicans in the area have primarily low wage jobs, they may choose to shop somewhere where they can pay for clothes, furniture, and other nonperishables over 90 days if necessary. Just a possibility.
You would here. If anything, Kroger may even be worse than Walmart.