Ok, maybe I'm really dumb but, does that mean you are using a bag that someone else had for who-knows-how-long before they returned it?? All I can think is Ewww! What about the bubblegum stain and the spilled perfume and lipstick marks from someone else! Yuk!

if that isn't how it works, then that is a cool idea! You can have one monthly payment, and get a new purse whenever you want!