Good morning!
Hope your bp is OK Jen!
Laura, I don't do layaways, just too complicated and if someone is having that much difficulty affording a piece of jewelry, I am kind of uncomfortable encouraging them, or getting personally involved. I can't imagine asking to buy something non-essential on a layaway plan myself. But if the person sounds sensible and just needs to get their ducks in a row, I will often reserve a piece for a week. And a few times people have backed out. Unexpected vet bills seem to be a common derailer. But I can't imagine refusing to return someones down payment in a situation like that, so what's the point in requiring one?