... which is why when I buy a PC I wander round to the local shop and have a chat with the sales guy, and if necessary have another chat with the guy who's going to build it for me.
They install the software I want, from a disk that I give them if that's the way it goes.
They accept any means of payment I choose to offer (although to be fair if I give them a company cheque they might not let me take the machine away until it has cleared, depending on who is on the till and how well they know me).
The machine is ready in a week or so ... unless I give them a sob story as to why I want it sooner.
And when it goes wrong ... do I hang on the phone to a call centre in India trying to get a returns number, which leaves me without the machine for another three weeks? No, I drop it into the shop on my way to work, and pick it up, fixed, on my way home.
Guess what? - it costs a little more! You get what you pay for, sometimes, service included. Your choice.