I agree, I stayed out of that thread but if you threw together a browned out pastel and a poor spider, you're going to pop out poor pastels, poor spiders, and even worse bees. A bee is not a bee is not a bee. You breed quality to make quality, simple fact.
I never understood payment plans for live animals, perhaps that's a step further than your argument, but I really don't get that. It saves everyone time around the table if you just watch and then when you have the money to send a payment directly in full start shopping around.