I've seen those reasons effect people, I've seen selling the collection to pay for unexpected medical bills, I've seen all those things and many more though out the years here on the freaks, there not common place but do happen, also this is not ebay, its not buy it now and then don't pay, its a pre-order, not the same thing.
I can see the reason for deposits and can understand why some retailers would want to charge them, I'm not arguing that point, just saying that while it may be good for them, its not always good for the consumer, I usually get what I pre-order, not always, I've cancelled my share of orders for many reasons, none were life changing medical bills, but I've got hit with unexpected car repairs during the time a PO was about to charge, I cancelled it and re-ordered it again when it was in-stock after I recouped a few weeks later, other times I decided I liked a different item more than one I had on order.
A lot can happen in six months to a year and I like the flexibility to change my order if I need to or want to without being charged a fee