Perhaps if you offered say monthly or quarterly payments then people may be more interested in participating. Its funny but the human psychology can deal with small increments rather than huge ones. Think of this as buying some furniture to go in your house or even a car. If you go to a car dealership what do they ask you what price range you looking for and then find out hwat payment you are confortable with and fit the car with the payment. Time payments will be the fall of mankind, one of Satan's greatest plans.