Try leasing any with weekly installments, then you'll understand what lightning fast manufacturing upgrades can mean to your & AIs global economic ratios.
My real bank does loan at "regularly variable if not fluctuating rapidly" interest rate costs & overcharges, also. Why should you benefit from highly productive output the easy way and without having to pay for the obvious advantage of deploying THE ship faster than your enemy (if it doesn't too!)?
These costs (as shown in the design phase) are simple indications of some real value.
But, i'm just beating the same drum as everyone else above.