Now for a limited time 0% interest, no $ down, low monthly payments of $325

What is wrong with people? Why are people so unwilling to commit to give $ on a monthly basis? They seem eager to give to one-time causes ala building fund or emergency needs etc. but seem hesitant to commit to be a regular monthly supporter. The commit to make monthly payments for a cell phone, a car payment, a mortgage, dish network etc. Why not for the LORD's work?