Inflation and demurrage both encourage buying cheaper, disposable items, rather than saving up for one that will last longer. They encourage needless consumption.
I agree. Maybe there are ways to combat needless consumption and preserve the benefits of quick value transfer. No I can not tell what those would be.
That is the car dealership acting as a bank, and managing your savings for you.
No, in such a system the dealer would need to forward the value himself ASAP. The value would be in perpetual motion and no party would manage it for a length of time.
Try again. How can I make a large purchase without saving or going into debt?
Barter? Which implies "saving" in a way that has already enabled progress of value, like mentioned previously.
I don't see another logical way. Making forward part-payments means turning the whole chain of future value upside down so that the car dealer owes you his production of the car, I can't quite twist my head through where that would lead.