The monthly subscription model leaves me feeling so very conflicted. On one hand, it’s a way to get an important piece of safety equipment for less money up front, which is good—there’s certainly cheaper airbag vests, but there’s more expensive ones, too.

No, no, there’s nothing conflicting here. If you need expensive safety equipment that you can’t afford up front there’s already a solution for that, it’s called financing. There is no upside to this, it’s just unethical, irresponsible, and dumb.