If you have the money upfront and invest it in something safe, then it's not "debt" in any way that matters.
As far as effort, if it's a high-yield savings account you should be getting one of those anyway, and then the phone-specific effort is a single transfer or doing nothing at all. And the financing itself is probably negligible.
This comment right here is part of why the banking crisis has just barely started.
Tons and tons of people have their cash sitting in a shitty Chase savings account yielding 0.1%, while there are many FDIC insured banks offering at least 3% and up to 5%. As a critical mass of these people realize the options available, they'll rapidly move their money with online transfers causing more banks to collapse. The extremely rapid outflows are what killed SVB, Signature, and Republic who were screwed because they had too many low yielding treasuries because the Fed hiked rates so fast.
I've been yielding over 3% in a Capital One savings account since last year.
The best interest account listed on MoneySavingExpert.com is at 5%, with the condition that you do not withdraw within 3 years of a deposit. Presumably these 6% accounts have similar requirements?
Put the money you would have spent buying outright in a savings account yielding 4%.