David: You obviously have no idea how the market has evolved over the years. Even as a dealer I would take a deposit if I did not know you. Down payments have been done this way by some dealers since the 70s. It is very rare if a deposit is taken that a customers will not take the model. If an importer ask for a deposit you do get a return on your money! Overland took deposits for the O Scale SD70SCes and the SD70Ms. The price was $2200.00 or if a model was left over after delivery date it would $2800.00 full. Putting a deposit avoided the importer from borrow form the bank and paying interest and having to charge a higher price. When deposits are taken ALL save$$$$$$. I love saving $$$$. I have never lost money doing business this way. It doesn't sound like you are well informed on the brass market or participate in the market. There are companies in the HO plastic market that take deposit also. This nothing NEW!!!!!
